STD insurance provides salary replacement in the event an employee is unable to work due to a non-work related accident or illness. Weekly benefit is based on the employee's wage bracket. Benefits on an approved claim begin after a 30-day waiting period and may continue for a maximum of nine (9) weeks. Benefits paid under this plan are not subject to state or federal income taxes.
New employees must apply within 31 days of hire to enroll in the Short-term Disability Plan without being required to submit medical information.
Employees may apply this benefit at any time by completing the STD Enrollment Form. Applications can be filled out electronically and emailed to firstname.lastname@example.org. If applying after the 31 days post-hire, Unum requires a medical questionnaire where they review of applicant's medical history to approve or deny.
Premiums are paid by the employee and vary based on age and salary. Premiums are deducted out of each paycheck. This is a voluntary plan.