Disability Insurance
Susan Strong, Director (239) 337-8317

The District offers Short Term and Long Term Disability insurance through UNUM Provident.  Disability helps to supplement your income when you unable to work due to a non-work related illness or injury.  All regular employees working at least 20 hours or more per week are eligible to purchase this benefit.

Short Term Disability

• Benefit - 60% of salary; paid weekly

• Maternity treated as any other illness

• Choice of Options:

  • 14-day Elimination Period; 24 week benefit

  • 60-day Elimination Period; 18 weeks benefit

• Benefit is offset by any sick leave benefits

• Guarantee of coverage, if enrolled within 30 days of employment, otherwise, only during Open Enrollment and medical underwriting is required.  As a result, coverage can be denied.

Long Term Disability

• Benefit - 60% of salary; paid monthly

• Pre-existing condition clause - treated 3 months for a particular illness/injury prior to effective date of coverage, then that particular illness/injury will not be covered the first 12 months of coverage

• Choice of Options:

  • 90-day Elimination Period; payable to age 65*

  • 180-day Elimination Period; payable to age 65*

• Guarantee of coverage, if enrolled within 30 days of employment, otherwise, only during Open Enrollment and medical underwriting is required.  As a result, coverage can be denied.

*The long term disability benefits are payable for the period during which you continue to meet the definition of disability up to age 65, but not less than 5 years.  If your disability occurs at or after age 61, benefits would be paid for a reduced period of time.  See the chart below.

Maximum Period of Payment:

Age of Disability	Maximum Period of Payment
Less than age 60	To age 65, but not less than 5 years
Age 60	60 months of benefit
Age 61	48 months of benefit
Age 62	42 months of benefit
Age 63	36 months of benefit
Age 64	30 months of benefit
Age 65	24 months of benefit
Age 66	21 months of benefit
Age 67	18 months of benefit
Age 68	15 months of benefit
Age 69 and over	12 months of benefit

This is voluntary benefit and premiums are paid by the employee.  The premiums are calculated based on the employee's salary and date of birth.  They are deducted every paycheck, twice a month - 15th and the last day.

If you have any questions or need to file a claim, please contact Karen Cooley at (239) 337-8155.