As a Classified Staff member, you have short-term and long-term disability insurance options. Disability benefits are administered by The Standard Insurance Company.
Short-term disability: Short-term disability is provided to eligible employees. CU will automatically enroll you, and the benefit is effective the first day of your benefits eligibility. Premiums are paid by CU, and income benefit is taxable should you file a claim.
Long-term disability: Your enrollment is optional, and you may apply at any time during the year. You will pay for premiums, and the income benefit is not taxable should you file a claim. Long-term disability is subject to approval by The Standard Insurance Company.
To apply for long-term disability, you must work at least 30 hours a week and be subject to Evidence of Insurability (EOI) by The Standard Insurance Company. EOI means an applicant must:
- Sign and send the Medical History Statement to The Standard Insurance Company
- Undergo a physical examination, if required by The Standard Insurance Company (may include blood testing)
- Provide any additional information about the applicant's insurability required
The Standard Insurance Company will notify you and CU if approved/denied.
Features and considerations
Short-term disability |
Long-term disability |
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| Income benefit amount | 60% of the first $3,850 of your weekly pre-disability earnings, reduced by deductible income, for a maximum weekly benefit of $2,310. | 60% of pre-disability earnings, not to exceed a benefit of $10,000 per month. | ||||||||||||||||||||
| Maximum benefit period |
150 days
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| Cost | Premium paid by CU. | Premiums based on age and PERA vested status. See rate sheet. |
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| Effective date Effective DateThe date on which an employee’s coverage is officially active. (subject to Active Work Provisions)* |
Automatic enrollment: Benefit is effective the first day of your benefits eligibility. |
First of the month following approval by The Standard. Employee may apply at any time by sending the Medical History Statement to Standard Insurance Company. Standard will notify employee and CU if approved/denied. |
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| Benefit waiting period Benefit Waiting PeriodThe period that you must be continuously disabled before benefits become payable. |
Benefit waiting period is the period you must be continuously disabled before short-term disability benefits become payable. No short-term disability benefits are payable for the benefit waiting period. You are required to use your sick and annual balances during the waiting period. The benefit waiting period is 30 days from the date of disability. During the 30-day waiting period before short-term disability benefits begin, employees are required to use accrued leave, including the use of accrued annual (vacation) leave once accrued sick leave has been exhausted |
Six months from the date of disability or exhaustion of sick leave (whichever is later). |
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| Income benefit taxability | Benefit is taxable income. | Benefit is not taxable income. | ||||||||||||||||||||
| Benefit claim process | Contact your campus Human Resources department and Employee Services within 30 days of disability. | Contact your campus Human Resources and Employee Services 3-4 months following disability. |
*Subject to "active work provisions": You must be capable of active work on the day before the scheduled effective date of your insurance.
Plan details
You know it's important, but how much insurance do you need?
The Standard can help! Their decision tool and calculator can help you determine whether you need more of a given type of insurance. This newfound knowledge can guide your decisions.