Short Term Disability (STD)

Services covered

If you are unable to work due to illness, an off-the-job injury, or the birth of a child, participation in the Short-term disability (STD) plan allows you to submit a claim for your elected weekly benefit amount. You will need to provide medical documentation supporting the necessity of your time off to the STD carrier.

Once your claim is approved, benefits are paid directly to you. Employees can choose coverage up to their annual salary, with a maximum benefit of $2,000 per week.

Why consider short term disability coverage?

If you were unable to work due to injury or illness, could you 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 your time off.

While the University offers comprehensive sick, vacation, and leave time, most employees don’t have enough saved to cover an extended medically necessary absence. The short-term disability policies offered do not offset other income, making them an affordable way to ensure financial security.

Unlike workers’ compensation, short-term disability covers non-work-related injuries or 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 is a voluntary addition to your other insurance and should not be considered as a replacement for health insurance.

Short term disability must be enrolled during new hire period, within 30 days of a qualifying event, or at open enrollment. Covered services must be incurred after effective date and pre-existing 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