Short-Term Disability

Short-Term Disability insurance is an employee-paid voluntary benefit that helps provide a partial income replacement for temporarily disabled faculty and staff. This benefit is provided through The Standard Insurance Company. This benefit is a supplement to the University's sick pay benefit that will be of special interest to those (like short-service faculty and staff) with limited sick banks. The plan does not allow employees to use sick time while receiving Short-Term Disability benefits. 

New hires are eligible to enroll within 30 days of hire; those who do not enroll when first eligible will be considered a late enrollee subject to a 60-day Late Enrollment Penalty period for non-accidental injury claims. Rates are determined by age and salary as of January 1 of each year.

Eligibility
To qualify for the voluntary Short Term Disability (STD) insurance, you must be:

• A regular, non-temporary, benefits-eligible employee of the University of Southern Indiana, excluding full-time members of the armed forces, leased employees and independent contractors
• Refer to Human Resources for additional eligibility information

Employee Coverage Effective Date
Please contact the benefits staff for more information regarding the following requirements that must be satisfied for your insurance to become effective. You must satisfy:

• Eligibility requirements
• An eligibility waiting period, if applicable
• An active work requirement; this means that if you are not actively at work on the day before the scheduled effective date of insurance, your insurance will not become effective until the day after you complete a period of active work as an eligible employee

Benefits

• Covers accidents and sicknesses for up to 26 weeks
• Weekly benefits are 60% of your weekly salary up to a maximum of $1,500 per week
• Benefits, if approved, begin on the 15th day for accidents and sickness