Short Term Disability
If you’re suddenly unable to earn a paycheck due to illness or an accident, disability insurance provided through Unum can help provide financial security until you can return to work.
You are considered disabled if you have an illness, pregnancy or accidental injury and you are receiving appropriate care and treatment from a doctor on a continuing basis. Your doctor must certify that you are unable to return to work.
The short-term disability plan replaces 60 percent of your pre-disability earnings, also known as your annual benefits base rate (ABBR), up to a maximum benefit of $2,500 per week for up to 12 weeks for a qualified disability. Benefits begin after you are disabled for seven calendar days.
Important
You must be an eligible team member and actively at work (not on a leave of absence) to enroll in short-term and long-term disability insurance.
When you enroll in the short-term disability plan, pre-existing condition limitations will apply. Benefits will not be paid for a claim that is caused by, contributed to or occurs as a result of a preexisting condition or medical or surgical treatment for that condition for which the date of diagnosis is in the six months prior to and the first 12 months after your coverage effective date.
Unum
Calculate your STD cost:
Your ABBR: $＿＿＿
- Divided by 52 weeks (÷ 52)
- Multiplied by 60% (x 0.6)
= Weekly STD benefit ( max of $2,500) ABBR: $＿＿＿
- Multiplied by STD premium rate: (x $0.0765
= Your monthly STD cost: $＿＿＿
Example: If you make $60,000 per year, you'll pay $52.96 per month or $24.44 per bi-weekly paycheck.
Quick Tip
Your Annual Base Benefits Rate (ABBR)* is:
- Salaried: Your Annual Base Salary
- Hourly: Your Base Hourly Rate × 40 hours a week × 52 weeks
- Per Visit: Your Weekday Per Visit Rate × 30 visits a week × 52 weeks
*ABBR for social workers is based on 20 visits per week. ABBR for part-time eligible team members is based on standard scheduled hours per week.