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Short-Term Disability | STD

Short-Term Disability Insurance | STD

  • What is it? Short-Term Disability (STD) is insurance that pays you a portion of your earnings if you are sick or hurt and cannot work. STD will help to make up for lost income. 
  • Do I have it? It is a voluntary benefit - you must select it at the time of your New Hire enrollment or during Open Enrollment. 
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Short-Term Disability Insurance (STD)
STD is voluntary and fully paid by you. It provides up to 66 2⁄3% of your weekly pre-disability earnings if you can't work due to:

  • Non-work-related injury: Weekly benefits for up to 26 weeks.
  • Sickness: Weekly benefits for up to 18 or 22 weeks after the waiting period.
  • Pregnancy: Up to 6 weeks for a normal birth and 8 weeks for a cesarean.
  • Note: You must meet the actively-at-work provision.

Benefit Elimination Period

  • There is no waiting period for non-work-related injuries; benefits start on the first day.
  • For illness or pregnancy, benefits begin on the 31st day.
  • If you enroll after the initial eligibility period, benefits for sickness or pregnancy will start on the 61st day.

Payment Reduction

  • STD benefits are reduced by 100% of any sick, annual or paid parental leave paid out after the waiting period. 

 

 

Why do I need it? When determining if you need Short Term Disability, consider your leave balances. 

  • If you are a New Hire or have low leave balances, STD may help protect your income if you are unable to work.  
  • If you do not elect STD as a new hire and later decide you may need it, there will be a 61-day waiting period for an illness or pregnancy before benefits are payable during your first year of coverage.
  • If you have any saved leave time, you may be required to use your leave and only receive a minimum payment while you are out on leave.
  • STD is offset (reduced) by any regular pay, annual leave, or sick leave you receive while on STD. Note: Donated leave does not reduce your STD benefit payment.

Disability Education Videos

Policy

  • Learn the details of your coverage with the policy.

Pregnancy

  • Short-term disability can be used for your pregnancy.
  • See the FAQ document for more information.