Choosing the Short Term Disability (STD) plan gives you income protection in case you become disabled due to illness or a non-occupational injury. The Short Term Disability plan is fully-insured through The Hartford.
After a 30-day elimination period requirement has been satisfied or after you use all of your sick leave (whichever is longer), if your disability claim is approved, you will be eligible to receive 60% of your covered salary. Benefits under this program will be decreased by deductible sources of income or other disability benefits received from other sources. Your total disability pay, including other sources of income, cannot be more than 60% of your covered salary.
Short Term Disability Benefits Summary
| Weekly Benefit |
60% of weekly earnings up to a maximum benefit of $693.00 per week subject to reduction by deductible sources
of income or disability earnings. |
| Elimination Period |
Accident: Thirty (30) days
Sickness: Thirty (30) days |
| Maximum Period Payable |
22 Weeks; 4 weeks for pre-existing conditions |
| Definition of Disability |
Occupation Definition: You are unable to perform the duties of your regular occupation because of sickness
or a non-occupational injury. OR Earnings Definition: You are working, but you are unable to earn more than
80% of your pre-disability earnings because of sickness or non-occupational injury. |
| Sick Leave |
You must exhaust all of your sick leave before benefits are payable. |
| EOI |
All previously eligible employees must complete an Evidence of Insurability form. |
| Pre-Existing Condition |
A pre-existing condition is a condition for which medical treatment or advice was rendered, prescribed
or recommended within three (3) months prior to the employee's effective date of STD insurance. A condition
will no longer be considered pre-existing if it causes disability that begins after the employee has been
insured under the Short Term Disability policy for a period of twelve (12) months. |
| Other Exclusions |
Disabilities resulting from war, suicide or felony, occupational accident or sickness or while incarcerated. |
You may read additional information about plan features and exclusions in the
Short Term Disability Plan certificate available at this Website or at your campus Benefits Office.
The Hartford
Short Term Disability
www.thehartfordgroupbenefits2.com
User ID: ‘uni101”, Password, “plan”
(800) 303-9744
8:00 AM - 8:00 PM EST
