Short Term Disability (STD)

Carrier: Unum
Plan Type: Group Short Term Disability
Group ID: 0145294-002
Customer Service: Pacific Time Zone - 877-851-7637
All other time zones - 800-858-6843
Service Office Address: Benefits Center
PO Box 100158
Columbia, SC 29202-3158

Available products expire on 12/31/2018. Please contact your recruiter or contact us at 800-995-2673 for additional information.

Short Term Disability - Frequently Asked Questions

Q: Who is eligible?
Q: What is the weekly benefit?
Q: What is the definition of total disability?
Q: What is the elimination period?
Q: What is the benefit duration?
Q: What are partial disability benefits?
Q: What is a guarantee issue?
Q: What if I become pregnant?
Q: Am I covered if I am injured at work?
Q: What if I have a pre-existing condition?
Q: When does my STD coverage end?
Q: What is the cost?

Q: Who is eligible?
A: All full-time active employees are eligible for short-term disability (STD) coverage. (TOP)
Q: What is the weekly benefit?
A: If you are totally disabled beyond the Elimination Period, due to a covered injury or sickness, you will be eligible to receive a weekly benefit of 70 % of your basic weekly income to a maximum benefit of $ 2,000 per week. This benefit may be reduced by income or benefits from certain other income sources listed in your certificate. (TOP)
Q: What is the definition of total disability?
A: Total Disability is defined as the inability to perform each of the main duties of your regular occupation due to injury or sickness. (TOP)
Q: What is the elimination period?
A: Benefits begin on the 14th day for disability due to an accident or illness. (TOP)
Q: What is the benefit duration?
A: The maximum benefit duration is 11 weeks. (TOP)
Q: What are partial disability benefits?
A: Partial Disability means that, due to sickness or injury, the insured is unable to perform one or more of the main duties of his or her regular occupation, or is unable to perform such duties on a full-time basis. Unum does not require that the employee be totally disabled prior to receiving partial benefits. A disabled employee can satisfy the Elimination Period with days of total disability, partial disability or a combination of both. An employee may qualify for a partial disability benefit if he or she is partially disabled and is earning at least 20% of his or her pre-disability income. Partial benefits are payable until either the maximum benefit duration is reached, the employee is no longer partially disabled or earning more than 99% of basic weekly earnings, is able to engage in partial disability employment or full-time employment, but chooses not to, or fails to take a medical exam or provide additional information requested by Unum.

Exclusions

Unum standard plans do not pay STD benefits for any period of disability:

  • Which is the result of self-inflicted injury;
  • During which the insured employee is not under the regular care of a doctor;
  • Which is the result of a sickness or injury covered by worker's compensation;
  • Which is due to a job-related sickness or injury; or
  • During which the insured employee receives payment under a salary continuance or retirement plan sponsored by the group policyholder.
(TOP)
Q: What is a guarantee issue?
A: This coverage is extended to you without requiring evidence of insurability. (TOP)
Q: What if I become pregnant?
A: Pregnancy is treated as an illness. The definition of disability must be satisfied and the Elimination Period completed before benefits would begin. (TOP)
Q: Am I covered if I am injured at work?
A: STD insurance only covers non-occupational injury or sickness. Worker's compensation normally covers an employee's work-related accident, injury or illness. (TOP)
Q: What if I have a pre-existing condition?
A: Benefits will not be paid for any disability for which you received medical treatment, care or consultation, including diagnostic measures or took prescribed drugs or medications during the 3 months preceding your effective date under this policy. A disability arising from any such injury or sickness will be covered only if it begins 6 months after the effective date of this policy. (TOP)
Q: When does my STD coverage end?
A: STD insurance coverage will terminate at midnight on your last physical day of work. (TOP)
Q: What is the cost?
A:

The cost of this coverage is paid entirely by you.
To calculate your cost, please use the example below:

Stdcalculation

Annual earnings are calculated based on your current combined hourly rate; direct labor and per diem.

(TOP)

*Maximum covered payroll is $2,857.14

For additional information, please contact us or email benefits@CoreMedicalGroup.com.

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