黑料视频

黑料视频 provides a long term disability (LTD) benefits through UNUM for all benefits eligible employees. LTD benefits are not automatic; employees must apply and be approved to receive them. Employees may enroll and pay premium coverage for UNUM Short Term Disability (STD).

Employees enrolled in the State Teachers Retirement System (STRS) or the Ohio Public Employee Retirement System (OPERS), may be eligible for disability retirement benefits from those systems. STRS and OPERS disability benefits are dependent on the retirement plan the employee has chosen. Employees enrolled in the Alternative Retirement Plan (ARP) are not eligible for OPERS or STRS benefits. These employees are only eligible for UNUM.

The following is a summary of disability benefits available to university employees. This is not an official plan document. Official plan documents and/or STRS and OPERS rules will supersede this summary in case of discrepancies.

OPERS Disability Retirement

OPERS provides disability benefits for members enrolled in the Traditional and Combined plans. Health care may also be available. Employees should contact OPERS at 1-800-222-7377 to determine eligibility for disability benefits and health care benefits. Visit for more information.

STRS Disability Retirement

STRS disability benefits are dependent on the retirement plan the member has chosen. Health care may also be available. Employees should contact STRS at 1-888-227-7877 to determine eligibility for disability benefits and health care benefits. Visit for more information.

UNUM Disability

Long Term Disability

Eligibility: Benefits eligible employees are automatically enrolled and eligible for LTD effective on their date of hire.

Benefit: The UNUM benefit provides a monthly benefit of 60% of covered monthly earnings to a maximum of $20,000 per month, minus other income benefits. Other income benefits include benefits paid by OPERS, STRS, Social Security, Workers Compensation, etc.

Example: If an employee is receiving a 40% disability benefit from OPERS, UNUM will provide a 20% (60% maximum minus 40% other income benefit). If an employee is not receiving any other income benefits, UNUM LTD will pay a benefit of 60%.

Maximum Duration of Benefits

Elimination Period: Benefits begin the day after 90 consecutive days of total disability.

Health Care: Health care is not provided by UNUM, nor 黑料视频, for employees who are approved for disability benefits.

LTD Claim: Employees can submit a claim online for UNUM Long Term Disability. Employees must create an account prior to submitting a claim.

• Instructions on how to file a UNUM claim or leave of absence: .
• Create an account or log in: .

Short Term Disability

You must elect coverage and pay premiums to be eligible for STD benefits offered through UNUM. Premiums are based on your age and your salary and are paid on an after-tax basis.

Short term disability is designed to pay a percentage of your income (60%) if you are unable to work for a short period of time due to illness or injury and you have used all of your sick leave benefits. The benefit would begin 14 calendar days after the date of your disability (illness or injury) or exhaustion of sick leave, whichever is later. The benefit can continue up to 13 weeks, at which point Long Term Disability may be available.

Faculty and Staff who do not have a large amount of sick leave accrued are encouraged to consider purchasing Short Term Disability insurance.

Plan Highlights:

Benefit: 60% of your weekly earnings to a maximum of $2,400

Coverage date: 14 calendar days after date of disability or exhaustion of sick leave, whichever is greater

Benefit Duration: 13 weeks

Pre-Existing Condition Clause: Conditions are not covered if you receive treatment, consultation, care, or services (including diagnostic procedures or prescribed drugs or medicines) in the 3 months prior to the effective date of coverage and the disability begins in the first 12 months of coverage.

To estimate your premium for coverage, please use the .

STD Claims: Employees can submit a claim for STD by using the UNUM STD Claim form or calling 866-224-9402. Submit the form to:

UNUM Benefits Center
P.O. Box 100158
Columbia, SC 29202-3158