Short Term Disability Insurance

Regular status U of L employees who work at least 30 hours per week have the option to enroll in a short-term disability insurance plan (STD) as part of the voluntary benefits the university offers.  The short-term disability plan provides disability benefits for up to 6 months of total disability.  This plan is designed to complement the university’s long-term disability plan, which starts paying after an employee has been totally disabled for six months. 

Under the short-term disability plan, employees can receive up to 60% of the employee’s salary (maximum of $3000 per month) in coverage.  The short-term disability insurance policy is designed to help provide you with a monthly income when you are totally disabled as a result of an accidental injury or sickness and cannot work.

Plan – Income Protector Plan:

  • Pays up to $3000 per month, not to exceed 60% of your income
  • Allows you to use the money to cover everything from lost wages to medical expenses
  • The plan pays a cash benefit to be used at your discretion
  • 12 month waiting period for pre-existing conditions and pregnancy
  • Pays in addition to other disability coverage you may have
  • Coverage is fully portable; which means should you no longer be an employee of the University of Louisville you can maintain the coverage and rate
  • The benefit pays for up to six month period beginning 14 days after total disability due to injury or sickness

Rates:

Premium levels vary based on your age and the level of coverage you select.   You may select an amount that is less than your current salary (minimum $200 / month) as long as it does not exceed 60% (maximum $3000 / month).

For enrollment questions, please call 502-643-1738 or send an email to  Humana / Kanawha

For questions regarding an existing contract, please contact Humana / Kanawha at 1-877-378-1505 option 3, then option 3 and you will be asked for your policy number or social security number.

Helpful Links:

Short Term Disability Income Protector Brochure

Short Term Disability Summary of Benefits

Short Term Disability Calculator