Short Term Disability

Understanding your Options

For income replacement coverage for non-work related accident or illness, you may purchase Short Term Disability (STD) through either The Hartford or Unum Provident.   

  • There is a maximum benefit of 26 weeks. 
  • Contributions are after tax so benefits are tax-free.  
Should you enroll in short term disability?

Compare short term disability plans


The Hartford 

Unum Provident 

Coverage amountsWeekly benefit of 66.66% of covered weekly base payWeekly benefit of 70% of covered weekly base pay
Benefits payableIf enrolled when initially offered
  • Injury: Immediately up to 26 weeks
  • Illness: On 31st day up to 22 week
  • Pregnancy: On 31st day to 42 day normally 
If enrolled after initial offering: Illness benefits payable after a 60 day waiting period and can continue for up to 18 weeks  
  • Illness or injury: On the 31st day up to 26 weeks
  • Hospitalized 24 hours or more: Immediately up to 26 weeks
  • Outpatient surgery: Immediately up to 26 weeks
  • Pregnancy: Immediately if hospitalized for more than 24 hours.  Normally 6-8 weeks is allowed based on medical condition and type of delivery.  
Exception: If you are deemed disabled 90 days prior to effective date of your coverage there may be a pre-existing condition exclusion.
Maximum weekly benefit$769.27 per week maximum benefit amount based on an annual salary of up to $60,000You may select one of three maximum weekly benefit amounts:
  • A - $750 based on an annual salary of  $55,714
  • B - $1,500 based on an annual salary of $111,430
  • C - $2,000 based on an annual salary of  $148,571
Open enrollmentYou may add or stop coverageYou may add, increase, decrease or stop coverage
Additional benefitsNone

  • $  5,000 of Term life insurance
  • $30,000 of AD&D coverage. 
To receive this benefit you must enroll & designate a beneficiary     
Monthly Premium Rate2017 - $.39 per $100 of coverage
$.71 per $100 of coverage

Compare benefit cost for short term disability coverage
The Hartford – John makes $3,000 monthly
Coverage AmountRateCost Per MonthCost Per Pay
($3,000 ÷ 100) = 30 X $.39= $11.70$5.40
Unum/Provident – Jane makes $3,000 monthly and elects a Option A with a maximum weekly benefits of $750
Coverage AmountRateCost Per MonthCost Per Pay
($3,000 ÷ 100) = 30X $.71 = $21.30$9.83
Note: Your deduction may be different based on rounding

Additional information on the benefits provided through the Unum

Faculty sabbatical leave

The temporary reduced salary that comes with sabbatical leave affects your disability insurance coverage. If you become disabled while on sabbatical, your benefit payment will be based on your reduced salary and not on your regular 100 percent salary.

 Procedures and forms