Short Term Disability (STD)

Services covered

Participants who are unable to work due to illness, an off-the-job injury, or the birth of a child may submit a claim under the Short-Term Disability (STD) plan. Select coverage based on a specific weekly benefit amount up to 60% of their salary, with a maximum of $2,000 per week. Medical documentation supporting the need for leave must be provided to the STD carrier.

Once approved, benefits are paid directly to the employee.

Why consider short-term disability coverage?

If you couldn’t work due to illness or injury, would you be able to cover your living expenses and medical bills? For most people, the answer is no. Short-term disability helps protect a portion of your income during this time.

Although the University provides sick leave, vacation, and other paid time off, many employees don’t have enough saved to cover a prolonged medically necessary absence. The short-term disability plan doesn’t offset other income, making it an affordable way to maintain financial security.

Unlike workers’ compensation, short-term disability covers non-work-related injuries and illnesses.

Cost and coverage

The University offers 2 plan options to choose from for cost effective choice. Plans are age and coverage amount rated.

Option 1

Option 1, waiting period 15/15 Policy pays 15 day after qualified accident or 15 days after qualified illness	Monthly rate (per $100 of weekly benefit)
Under age 35	$11.982
35-49	$6.081
50-59	$6.369
60+	$7.909

Option 2

Option 2, waiting period 1/8 Policy pays 1 day after qualified accident or 8 days after qualified illness	Monthly rate (per $100 of weekly benefit)
Under age 35	$15.183
35-49	$7.683
50-59	$8.020
60+	$9.958

Example

Informational estimate—actual claim decisions will be made by the STD carrier:

Employee, age 30, with a $30,000 annual salary. Monthly cost based on a $300 weekly benefit election (refer to the Premium worksheet) :

• Option 1: $35.95 per month
• Option 2: $45.55 per month

The employee has surgery due to an off-the-job accident, requiring 8 weeks off for rehab:

• Option 1: Coverage starts on day 15. The plan pays $300 per week for 6 weeks, totaling $1,800. No sick or vacation time is offset.
• Option 2: Coverage starts on day 1. The plan pays $300 per week for 8 weeks, totaling $2,400. No sick or vacation time is offset.

Enrolling and changing

This coverage is voluntary and complements your other insurance—it is not a substitute for health insurance.

You must enroll in short-term disability during your new hire period, within 31 days of a qualifying event, or during open enrollment. Covered services apply only after your effective date, and pre-existing condition limitations may apply.

For more information, contact human resources.

Claim filing

Hartford allows for electronic claim filing. Set up your account, file your claim, track your payments. visit: www.abilityadvantage.thehartford.com/

• Legal employer name: Board of Governors for Missouri State University
• Policy #: 715060

Forms and publications

Publications

• Premium worksheet
• Policy information
• Telephonic filing flyer

Policy

• G7.02-6.1.7 Voluntary Benefits
• Plan document