A Short Term Disability (STD) Plan replaces part of your income if you become totally disabled as a result of a serious illness or injury. The Plan will pay either a flat dollar amount or a percentage of your income (up to a maximum amount) for a period of time, which generally does not exceed six months. In order to receive benefits, you must be totally and continuously disabled.
Benefits start after the elimination period (which is generally no longer than two weeks) and benefit payments end upon the earlier of your return to work or completion of the maximum period allowed under the Plan. Please see your Benefit Summary for specific information regarding the elimination period, the dollar amount or percentage of pay covered by the Plan, and the maximum time benefits can be paid.
2. What is an elimination period?
An elimination period (also known as the waiting period) is the length of time you must be totally disabled as defined by the Plan prior to becoming eligible for STD benefits. The waiting period may differ depending on whether your total disability is the result of an illness or the result of an accident. Please see your Benefit Summary for details.
3. How do I file a claim for short term disability benefits?
You must report the disability immediately to your supervisor or your benefits manager. Either you or they will be required to file a claim as quickly as possible. You are required to be continually under the care of a physician and follow the recommended treatment or therapy. The insurance company has the right to have you evaluated by a physician of their choice and to receive continued proof of disability from time to time.
4. Are there short term disability benefits available if I am partially, but not totally disabled?
No. STD benefits are only payable for total, continuous disability.
