Short Term Disability

Sick Leave - To protect your earnings, the Board enables employees to accumulate “sick leave” days.  These are days for which you will receive full pay if you are sick or injured and cannot work.

Short Term Disability - To protect earnings lost due to disabilities that last longer than your sick leave but less than 180 days, you may wish to purchase Short Term Disability coverage.

You select from six (6) “benefit wait periods.” This is the time that you are out of work before benefit payments begin. Choose a wait period that corresponds to the amount of sick leave you have accumulated. Remember that the wait period represents calendar days out, while sick leave days are work days: 5 work days = 7 calendar days

  Select the monthly benefit amount you want - $100 Increments  (up to 60% of your monthly pay)

  Select the “benefit wait period” that reflects your sick leave.  There are six (6) from which to choose:

7 days, 14 days, 30 days, 45 days, 60 days, or 75 days

Examples: 
    5 sick leave days =   7-day benefit wait period
  10 sick leave days = 14-day benefit wait period
  45 sick leave days = 60-day benefit wait period

  The more sick leave you have, the lower your cost.

  The disability plan pays after your sick leave is exhausted or the chosen wait period, whichever is later.  This includes maternity.

 STD (Short Term Disability) Highlights

 STD Plan Provider – OneAmerica: 1-855-517-6365

 OneAmerica – Benefit Summary

 OneAmerica – How to File a Claim Form

 Protect Your Pay with Disability Video

 How Does Disability Insurance Work? (video) 

 How Does Short Term Disability and Maternity Leave Work? (video) 

Please remember the explanation above is just a summary. The official plan documents for the plan govern the operation of this coverage. You may request a copy from your benefits office at any time.