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).
To enroll, please call 800-463-7420, Monday through Friday 8:30 am to 5:00 pm.
For questions regarding an existing contract, please contact Manhattan Life (formerly Humana) at 1-855-448-6982 and you will be asked for your policy number or social security number.
Helpful Links:
Short Term Disability Income Protector Brochure