The carrier for Short Term Disability (employee purchased), is The Standard. Premiums for Short Term Disability are based on your annual salary. The premium will change when a change in your salary occurs.
Short-term disability is a voluntary, payroll deducted benefit that enables employees to receive disability income to offset financial losses that result from a non-work-related injury, illness, disease, or pregnancy. Approved disability claims provide 60% of your pre-disability income up to a weekly maximum of $600, reduced by any other taxable income you receive. Your short-term disability income is not taxable.
Employees who declined coverage and wish to enroll at a later date must submit an EOI (Evidence of Insurability) form to the Standard for certain levels of coverage. The Standard will accept or deny part or all of your requested coverage amount according to the information received.
LONG -TERM DISABILITY
The carrier for Long Term Disability (fully paid for you by your employer) is The Standard. This benefit pays a monthly income amount for a total or partial disability resulting in an extended absence from non-work-related illness or injury.
There is a 90-day waiting period before benefits begin. The benefit pays 60% pre-disability base salary, reduced by any other taxable income you receive up to a maximum monthly benefit of $5,000 until you are no longer disabled or until you have met your maximum benefit period. LTD benefits are considered taxable income and premiums are paid 100% by Lee County.
EOI forms will be sent by the Benefits team when needed.
To file a claim for either short-term disability (STD) or long-term disability (LTD), please contact firstname.lastname@example.org call Human Resources at 239-533-2245.