Who is eligible?
You are eligible for Short Term Disability coverage if you are an active
employee in the United States working a minimum of 17.5 hours per week.
What is my weekly
benefit amount?
You can elect to purchase a benefit of 60% of your weekly earnings to a
maximum of $1,000 per week.
How long do I have to
wait to receive
benefits?
The elimination period is the length of time you must be continuously disabled
before you can receive benefits. If your disability is the result of a covered
injury or sickness, you could begin receiving benefits after 30 days.
When would I be
considered disabled?
You are disabled when Unum determines that due to your sickness or injury:
• you are unable to perform the material and substantial duties of your
regular occupation; and
• you are not working in any occupation.
We will pay you a disability benefit after you have received benefits under the
plan for at least 4 consecutive weeks if:
• you begin performing at least one of the material and substantial duties
of your regular occupation or another occupation; and
• you have a 20% or more loss in weekly earnings due to the same
sickness or injury.
You must be under the regular care of a physician in order to be considered
disabled.
*Unless the policy specifies otherwise, as part of the disability claims
evaluation process, Unum will evaluate your occupation based on how it is
normally performed in the national economy, not how work is performed for a
specific employer, at a specific location, or in a specific region.
How long will my
benefits last?
As long as you continue to meet the definition of disability, you may receive
benefits for 9 weeks.
How much does it
cost?
Rates per $10 of weekly benefit
Age
Rates
<25
.171
25-29
.198
30-34
.144
35-39
.117
40-44
.108
45-49
.099
50-54
.117
55-59
.144
60-64
.189
65-99
.207
Killeen Independent School District
Short Term Disability Insurance Highlights
Policy # 572701
Here’s how to calculate your per-paycheck costs
____________ ÷ 52 = ___________ X _________= _________
Annual salary Weekly salary Benefit % Weekly benefit
____________ ÷ 10 = ___________ X _________= _________
Weekly benefit Your rate Monthly cost
____________ X 12 = ___________÷ _________= _________
Monthly cost Annual cost # paychecks Cost per paycheck
If your annual salary exceeds $X, use X as your annual salary for this calculation. Final costs may
vary due to rounding.
Please see your plan administrator for your effective date.
Insurance will be delayed if you are not in active employment because of
an injury, sickness, temporary layoff, or leave of absence on the date that
coverage would otherwise become effective.
Your disability benefit may be reduced by deductible sources of
income and any earnings you have while disabled. Deductible
sources of income may include such items as disability income or other
amounts you receive or are entitled to receive under: workers’
compensation or similar occupational benefit laws; state compulsory
benefit laws; automobile liability and no fault insurance; legal judgments
and settlements; certain retirement plans; other group or association
disability programs or insurance; and amounts you or your family receive
or are entitled to receive from Social Security or similar governmental
programs.
You may receive coverage without answering any medical questions or
providing evidence of insurability if you apply for coverage within 31 days
after your eligibility date. If you apply more than 31 days after your
eligibility date, your coverage will be medically underwritten. You may also
have to provide information about routine, planned, unplanned or ongoing
medical care or consultation. This review may result in coverage being
declined.
Please see your plan administrator for your eligibility date.
If you are deemed eligible and are participating in the program, Unum will
pay an additional benefit of 10% of your gross disability payment, to a
maximum of $250 per week.
Benefits would not be paid for disabilities caused by, contributed to by, or
resulting from:
• War, declared or undeclared or any act of war;
• Active participation in a riot;
• Intentionally self-inflicted injuries;
• Loss of professional license, occupational license or certification;
• Commission of a crime for which you have been convicted;
• Any period of disability during which you are incarcerated;
• Any occupational injury or sickness (this will not apply to a partner
or sole proprietor who cannot be covered by law under workers’
compensation or any similar law);
Your plan will not cover a disability due to war, declared or undeclared, or
any act of war.
Your coverage under the policy ends on the earliest of:
• The date the policy or plan is cancelled;
• The date you no longer are in an eligible group;
• The date your eligible group is no longer covered;
• The last day of the period for which you made any required
contributions;
• The last day you are in active employment except as provided
under the covered layoff or leave of absence provision.
Please see your plan administrator for further information on these
provisions.
Unum will provide coverage for a payable claim which occurs while you are
covered under the policy or plan.
Please see your plan administrator.
You are considered in active employment, if on the day you apply for coverage, you are being paid
regularly by your employer for the required minimum hours each week and you are performing the
material and substantial duties of your regular occupation.
This information is not intended to be a complete description of the insurance coverage available. The
policy or its provisions may vary or be unavailable in some states. The policy has exclusions and
limitations which may affect any benefits payable. For complete details of coverage and availability, please
refer to Policy Form C.FP-1 et al, or contact your Unum representative.
Underwritten by Unum Life Insurance Company of America, Portland, Maine
© 2017 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum
Group and its insuring subsidiaries.
EN-1780 (1-17) FOR EMPLOYEES