Faculty & Staff

Benefits

• 2012 Open Enrollment
• Health Insurance 2011/2012
  • Anthem 300
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• Health Reform 2011
• Benefit Forms
• Other Insurance Benefits
  • Dental Insurance
  • Vision Insurance
  • Flexible Spending Accounts
  • Long-Term Disability
  • Short-Term Disability
  • Group Life Insurance
  • Voluntary Life Insurance
  • Provider Contacts
• Employee Wellness Programs
  • Time to Get Fit
  • Anthem Wellness
• Additional Benefits
  • Paid Time Off
  • Leaves of Absence (FMLA, Personal)
  • Worker's Compensation
  • Retirement Savings Plan
  • Employee Assistance Program
  • Work-Life Resources
  • 2012 Summer Flex Program

Resources

Policies

Human Resources

Short-Term Disability Insurance

Open Enrollment:  October 28 through November 10, 2011

Effective January 1, 2011; the University has partnered with The Standard to offer Voluntary Short Term Disability (STD) Insurance coverage because, like anything of great value, your income from University of Southern Indiana should be protected.

Short Term Disability insurance helps provide a partial income replacement for temporarily disabled faculty and staff. This benefit is a supplement to the University’s sick pay benefit that will be of special interest to those (like short-service faculty and staff) with limited sick banks. To take full advantage of this plan, you should enroll at this first eligibility opportunity since late enrollees have a reduced benefit during the first 12 months after enrollment.

Enrolling takes just a few minutes. During the open enrollment period all you need to do is complete the online enrollment at www.standard.com/enroll.  In addition, a dedicated call center is available to assist with your questions. You can reach The Standard's Benefits Enrollment assistance line at 1-866-623-0622.

Eligibility

To qualify for the voluntary Short Term Disability (STD) insurance, you must be:

• A regular employee of the University of Southern Indiana, excluding full-time members of the armed forces, leased employees and independent contractors;

• Actively working at least 28.12 hours each week;

• A citizen or resident of the United States or Canada.

Employee Coverage Effective Date

Please contact the Benefits staff for more information regarding the following requirements that must be satisfied for your insurance to become effective.  You must satisfy:

• Eligibility requirements

• An eligibility waiting period

• An evidence of insurability requirement, if applicable

• An active work requirement.  This means that if you are not actively at work on the day before the scheduled effective date of insurance, your insurance will not become effective until the day after you complete one day of active work as an eligible employee.

Benefit Amount

Your weekly benefit is 60% of your insured predisability earnings reduced by deductible income.  Please contact the Benefits staff for information regarding what is included in predisability earnings.

Plan Maximum Weekly Benefit: $1,500

Plan Minimum Weekly Benefit: $15

Benefit Waiting Period

The benefit waiting period is the period of time that you must be continuously disabled before the benefits become payable.

Accidental injury: 14 days

Other disabilities: 14 days

If you do not apply for this voluntary STD coverage within 31 days of becoming eligible, you will be subject to a late enrollment penalty.  This means that if you file a claim for anything other than an accidental injury during the first 12 months after yor coverage takes effect, your benefits will become payable after you have been continuously disabled for 60 days and remain disabled.

Maximum Benefit Period

If you become disabled, benefits may continue during disability up to 166 days.  If  you are eligible to receive benefits under and- employer-sponsored Long Term Disability (LTD) plan, STD benefits may continue during disability up to 180 days, minus the length of the benefit waiting period.  STD benefits cease to be payable when LTD benefits begin.

When STD Benefits End

STD benefits end automatically on the earliest of:

• The date you are no longer disabled

• The date your maximum benefit period ends

• The date you die

• The date benefits become payable under any other disability insurance plan under which you become insured through employment during a period of temporary recovery

• The date LTD benefits become payable to you under an employer-sponsored LTD plan

• The date you fail to provide proof of continued disability and entitlement to benefits

2012 & 2011 Rates

To calculate your monthly payroll deduction, multiply your weekly base salary by your rate (as indicated in the chart above), then multiply that amount by 60% and divide by 10.  For a quick estimate you may also view the following rate charts:

Estimated 2012 & 2011 STD Insurance Rates - calculated by employee hourly rate or monthly salary

Enrollment

From October 28, 2011, through November 10, 2011, you have the opportunity to enroll in this coverage at the employee meetings we are holding or you can enroll online at www.standard.com/enroll any time during the enrollment period. If you sign up now, you will not be subject ot the 60 day late enrollee penalty.

View detailed first-time user instructions.