Disability – Managerial and Professional

Short-Term Disability Plan

Eligibility

Eligible participants are regular employees who are scheduled to work at least 20 hours per week. Eligible employees are automatically enrolled in the Short-Term Disability Plan at no cost to the individual.

Benefit

Short-Term Disability (STD), in conjunction with sick pay used during the 1 week Benefit Waiting Period, provides M&P staff salary protection for up to 26 weeks for extended absence due to a non-work related illness or disability. The plan is applied per disability.  Payments received from short-term disability will be coordinated with the state Paid Family and Medical Leave (PFML) benefits.

Short-Term Disability will start after the one-week waiting period (Week 1) where the staff member uses the prerequisite number of sick days (see table below) or Paid Time Off (PTO).

During Weeks 2 – 8, Short-Term Disability provides 100% salary coverage in conjunction with the state PFML wages, and during Weeks 9 – 26, 60% salary coverage minus deductible income (which includes PFML income).

If you are planning to take a leave related to Pregnancy and/or Child Rearing, please visit the Absence Management website for more information.

How short-term disability works for extended absences (all leaves for one’s own health, including Maternity Leaves)

The following chart assumes the staff member works a standard 5-day work week:

Application process

View instructions on filing a Short-Term Disability by telephone.

Supplemental Coverage

You may increase your disability pay above 60% (minus deductible income) during Weeks 9 – 26 of Short Term Disability by supplementing the coverage with your own accruals to make up for the amount not covered by the plan.

Long-Term Disability Plan

Eligibility

Eligible participants are regular employees who are scheduled to work at least 20 hours per week.

Eligible employees are automatically enrolled in the Long-Term Disability Base Plan at no cost to employees on base salaries up to $150,000.

Benefit

Under the Base Plan on the first of the month following 180 days (6-month elimination period) of total disability resulting in lost earned income of 20% or more, staff are entitled to receive 60% of their base monthly earnings to a maximum of $7,500 minus any other payments received, such as Worker’s Compensation or Social Security disability payments.

Staff participating in Supplemental Disability Coverage (see below) have an additional maximum of $12,500 of coverage. The monthly benefit will not be less than $100.

Supplemental Coverage

Faculty and staff with base annual salary levels between $150,000 and $400,000 may purchase supplemental disability coverage on a payroll deduction basis. The maximum monthly benefit is $20,000 ($7,500 of base benefit plus $12,500 of supplemental coverage). Enrollment is automatic when first eligible without evidence of insurability (with ability to opt out anytime).

Supplemental Long-Term Disability (LTD) Calculator

To estimate your monthly premium rate, visit the Supplemental Long Term Disability Calculator and enter your annual salary.

The insurance carrier for this coverage is The Standard Insurance Company.

Application process

To apply for LTD, please call 203-432-5552, press option #4. You will need the Group Plan Number, which is #642971.

View the LTD FAQs.