Short Term Disability Insurance
Everyone understands the value of protecting your family by purchasing life insurance. But what about
protecting your income? How would your bills get paid in the event that you were unable to work due to a
disability that lasted several days – or several months?
Short Term Disability (STD) insurance pays you a portion of your lost earnings if you are unable to work
due to a covered disability. CCSD offers a plan where you can choose a benefit level that will help you
and your family the most – depending on how many days of sick leave you already have accumulated but
not used.
“Disability” or “Disabled” means that, due to sickness, pregnancy or accidental injury, you are unable to
perform the essential duties of your own occupation for any employer in your local economy and as a
result, your current weekly earnings are less than 80% of your pre-disability earnings. You must be under
the regular care and treatment of a doctor to remain eligible for payments.
Who is eligible to enroll in this plan? Is evidence of insurability required?
You are eligible to enroll if you are an active full-time employee working at least 20 hours per week and
you are a citizen or legal resident of the United States, its territories and protectorates. If you are a
superintendent, temporary, leased or seasonal employee, you are not eligible to participate in this plan.
If you are a newly eligible employee, evidence of insurability is not required to enroll. If you previously
waived or declined to enroll in this coverage and are enrolling for the first time, you must submit a
Personal Health Application and your coverage must be approved before it will become effective. You are
responsible for ensuring that the application process is followed.
What is the benefit amount?
The STD insurance benefit can be found in the Core Plan and Buy Up plan charts. The benefit may replace
up to 66 2/3% of your gross weekly earnings, less income you may receive from other sources.
The STD Core Plan provides a benefit based on your accumulated sick leave (short term leave) days at
the time of your disability.
The STD Buy Up Plan is an enhancement which allows you to purchase a weekly benefit amount in
addition to the Core Plan benefit. Your core STD coverage and your buy-up, when combined, cannot
exceed 66 2/3% of your Weekly earnings. As 66 2/3% of your Weekly earnings is the plan’s
maximum, be sure not to elect an amount greater than that.
Does the plan have limitations and exclusions?
The plan pays a benefit for up to 4 weeks if your disability is due to a pre-existing condition. A preexisting condition is a condition for which you were diagnosed or received medical care in the 180 days
prior to your effective date of coverage or the effective date of an increase in coverage. “Medical Care”
includes consulting a physician or other medical provider who gives medical advice or prescribes
treatment. “Treatment” includes medical exams, tests, observation, prescriptions, medicines, medical
services, supplies or equipment. The pre-existing condition limitation does not apply after (a) you have
been covered on the plan 180 days without treatment or (b) you have been covered on the plan for 365
days.
Benefits are not payable for the following exclusions: a disabling injury or sickness which happens in the
course of any work performed by you for wage or profit, or for which you are eligible to receive benefits
under any Workers’ Compensation or any similar law; disabilities caused by your commission of or
attempt to commit a felony; if you are engaged in an illegal occupation; if your disability is caused or
contributed to by war or act of war; or if your disability is caused by an intentionally self-inflicted injury.
Am I only eligible to receive benefits if I am Totally Disabled?
No, your plan includes a Disabled and Working benefit and a Rehabilitative Employment Benefit. The
Short Term Disability plan provides financial incentives for you to return to work, even on a part-time
basis. You may receive up to 100% of your pre-disability earnings when combining Short Term Disability
benefits, rehabilitation incentives and part-time earnings.
When do Short Term Disability benefits begin and how long do they continue?
Benefits are payable beginning on the 6th day from your disability date. Benefits continue for as long as
you are disabled up to a maximum duration of 25 weeks.
How does my accumulated sick leave impact my Short Term Disability benefits?
All sick leave days (sometimes referred to as short term leave days) must be used when you are on a
medical leave of absence. The sick leave pay you receive while on a disability claim will reduce the
amount of your Short Term Disability benefit. This may result in a zero Short Term Disability benefit
during the time you are receiving short term leave pay.
The Short Term Disability benefit amount increases as the number of accumulated sick days increase to
help offset this impact.
Example #1:
An employee earning $40,000 annually ($769 weekly) has 40 sick leave (short term leave) days
accumulated. The employee’s Core Plan benefit is $500 week. (This is approximately 65% of the
employee’s weekly earnings.) This employee becomes disabled, begins receiving short term leave pay and
files a Short Term Disability claim.
The employee’s Short Term Disability claim is approved and Short Term Disability benefits would start on
the 6th day of disability. However, no benefit is payable for the first 8 weeks. (Short Term Disability
benefits are reduced by short term leave pay. Your short term leave pay exceeds the Short Term Disability
benefits which results in no Short Term Disability benefit payable for the first 8 weeks.) Once the short
term leave pay is exhausted, the employee will receive a Core Plan benefit of $500 week, assuming no
offsets for other income.
Week
Short Term Leave Pay
Short Term Disability Benefits
1
2 -8
Paid
Paid
9 -25
Not Paid
Waiting Period
No Benefit
$500 week less other income. If there is no
other income and the employee remains
disabled, a total benefit of $8,500 will be paid.
Example #2:
An employee earning $30,000 annually ($577 weekly) has 25 sick leave (short term leave) days
accumulated. The employee’s Core Plan benefit is $350 week. (This is approximately 61% of the
employee’s weekly earnings.)
This employee becomes disabled, begins receiving short term leave pay and files a Short Term Disability
claim.
The employee’s Short Term Disability claim is approved and Short Term Disability benefits would start on
the 6th day of disability. However, no benefit is payable for the first 5 weeks during the time the employee
is receiving short term leave pay. Once the short term leave pay is exhausted, the employee will receive
a Core Plan benefit of $350 week, assuming no offsets for other income.
Week
1
2 -5
Short Term Leave Pay
Paid
Paid
6 -25
Not Paid
Short Term Disability Benefits
Waiting Period
No Benefit
$350 week less other income. If there is no
other income and the employee remains
disabled, a total benefit of $7,350 will be paid
How do I determine my Short Term Disability benefit under the Core Plan and the Buy
Up options that are available?
1. Review the chart below to determine your Core Plan benefit which is based on your accumulated short
term leave days/work days.
2. Find your Total Weekly Short Term Disability benefit if you elect Buy Up Options 2, 3, 4 and 5.
3. Your Core Plan benefit plus your Buy Up Plan benefit cannot exceed 66.67% of your Weekly Earnings.
This is referred to as the Maximum Weekly Benefit allowed on the policy. See Maximum Weekly Benefit
chart for a quick reference or use the following formula:
(Your Annual Earnings divided by 52) times 66.67% = Your Maximum Weekly Benefit
Enter your maximum Weekly Benefit here using the
chart on the following page or using the formula
above:
Enter your Total Weekly Short Term Disability Benefit
here from the chart below:
If the Total Weekly Short Term Disability Benefit for a Buy Up option exceeds your Maximum Weekly
Benefit, you cannot elect that Buy Up option.
Short Term Disability Core Plan
Short Term Disability Buy Up Plan
Accumulated short
term leave days at
time of your
disability
Your Total
Weekly Short
Term
Disability
Benefit
(Core only)
Option 2 Core Plan
benefit plus
an additional
$115 per
week
Your Total
Weekly Short
Term
Disability
Benefit (Core
plus Buy Up)
Under 15 work days
$250.00
$365.00
$481.00
$596.00
$712.00
15 to 24 work days
$300.00
$415.00
$531.00
$646.00
$762.00
25 to 34 work days
$350.00
$465.00
$581.00
$696.00
$812.00
35 to 44 work days
$400.00
$515.00
$631.00
$746.00
$862.00
45 to 59 work days
$500.00
$615.00
$731.00
$846.00
$962.00
60 to 89 work days
$600.00
$715.00
$831.00
$946.00
$1,062.00
90 or more work
days
$700.00
$815.00
$931.00
$1,046.00
$1,162.00
Option 1
Option 3 Core Plan
benefit plus
an additional
$231 per
week
Your Total
Weekly Short
Term
Disability
Benefit (Core
plus Buy Up)
Option 4 Core Plan
benefit plus
an additional
$345 per
week
Your Total
Weekly Short
Term
Disability
Benefit (Core
plus Buy Up)
Option 5 Core Plan
benefit plus
an additional
$462 per
week
Your Total
Weekly Short
Term
Disability
Benefit (Core
plus Buy Up)
Short Term Disability – Your Maximum Weekly Benefit Chart
Your
Annual
Earnings
$20,000
$22,000
$24,000
$26,000
$28,000
$30,000
$32,000
$34,000
$36,000
$38,000
$40,000
$42,000
$44,000
$46,000
$48,000
$50,000
$52,000
$54,000
$56,000
Your
Weekly
Earnings
(Annual
Earnings
divided by
52 Weeks)
$385
$423
$462
$500
$538
$577
$615
$654
$692
$731
$769
$808
$846
$885
$923
$962
$1,000
$1,038
$1,077
Your
Maximum
Weekly
Benefit
66 2/3%
Your
Annual
Earnings
$256.42
$282.07
$307.71
$333.35
$358.99
$384.63
$410.28
$435.92
$461.56
$487.20
$512.85
$538.49
$564.13
$589.77
$615.42
$641.06
$666.70
$692.34
$717.98
$58,000
$60,000
$62,000
$64,000
$66,000
$68,000
$70,000
$72,000
$74,000
$76,000
$78,000
$80,000
$82,000
$84,000
$86,000
$88,000
$90,000
$92,000
$94,000
Your
Weekly
Earnings
(Annual
Earnings
divided by
52 Weeks)
$1,115
$1,154
$1,192
$1,231
$1,269
$1,308
$1,346
$1,385
$1,423
$1,462
$1,500
$1,538
$1,577
$1,615
$1,654
$1,692
$1,731
$1,769
$1,808
Your
Maximum
Weekly
Benefit
66 2/3%
$743.63
$769.27
$794.91
$820.55
$846.20
$871.84
$897.48
$923.12
$948.77
$974.41
$1,000.05
$1,025.69
$1,051.33
$1,076.98
$1,102.62
$1,128.26
$1,153.90
$1,179.55
$1,205.19
Instead of using the above chart to obtain an estimated Maximum Weekly Benefit, you may
calculate your actual Maximum Weekly Benefit using the following formula.
Enter your Annual Earnings :
Divide your Annual Earnings by 52 to obtain your Weekly
Earnings:
Multiply this amount by 66.67% to obtain your Maximum
Weekly Benefit:
Short Term Disability Benefit – Maximum Buy-up Option Chart
Your Maximum Weekly STD Benefit is 66 2/3% of your Weekly Earnings. If the Core STD
benefit exceeds this maximum, it will be reduced to your Maximum Weekly STD Benefit.
The illustrative chart below indicates the maximum buy-up option available for these
Annual Pre-Disability Earnings amounts.
Number of Short Term Leave Days
Annual Predisability
Earnings
Maximum
Weekly
STD Benefit
LESS THAN 15
Maximum
Option
LESS THAN 15
Weekly
Benefit
15 – 24 DAYS
Maximum
Option
15 – 24 DAYS
Weekly
Benefit
$20,000
$256
Option 1
$250
Option 1
$256
$22,000
$282
Option 1
$250
Option 1
$282
$24,000
$308
Option 1
$250
Option 1
$300
$26,000
$333
Option 1
$250
Option 1
$300
$28,000
$359
Option 1
$250
Option 1
$300
$30,000
$385
Option 2
$365
Option 1
$300
$32,000
$410
Option 2
$365
Option 1
$300
$34,000
$436
Option 2
$365
Option 2
$415
$36,000
$462
Option 2
$365
Option 2
$415
$38,000
$487
Option 3
$481
Option 2
$415
$40,000
$513
Option 3
$481
Option 2
$415
$42,000
$538
Option 3
$481
Option 3
$531
$44,000
$564
Option 3
$481
Option 3
$531
$46,000
$590
Option 3
$481
Option 3
$531
$48,000
$615
Option 4
$596
Option 3
$531
$50,000
$641
Option 4
$596
Option 3
$531
$52,000
$667
Option 4
$596
Option 4
$646
$54,000
$692
Option 4
$596
Option 4
$646
$56,000
$718
Option 5
$712
Option 4
$646
$58,000
$744
Option 5
$712
Option 4
$646
$60,000
$769
Option 5
$712
Option 5
$762
$65,000
$833
Option 5
$712
Option 5
$762
$70,000
$897
Option 5
$712
Option 5
$762
$75,000
$962
Option 5
$712
Option 5
$762
$80,000
$1,026
Option 5
$712
Option 5
$762
Number of Short Term Leave Days
Annual Predisability
Earnings
$20,000
Maximum
Weekly
STD Benefit
$256
25 – 34 DAYS
Maximum
Option
Option 1
25 - 34 DAYS
Weekly
Benefit
$256
35 – 44 DAYS
Maximum
Option
Option 1
35 - 44 DAYS
Weekly
Benefit
$256
$22,000
$282
Option 1
$282
Option 1
$282
$24,000
$308
Option 1
$308
Option 1
$300
$26,000
$333
Option 1
$333
Option 1
$300
$28,000
$359
Option 1
$350
Option 1
$300
$30,000
$385
Option 1
$350
Option 1
$300
$32,000
$410
Option 1
$350
Option 1
$300
$34,000
$436
Option 1
$350
Option 1
$300
$36,000
$462
Option 1
$350
Option 1
$300
$38,000
$487
Option 2
$465
Option 1
$300
$40,000
$513
Option 2
$465
Option 1
$300
$42,000
$538
Option 2
$465
Option 2
$515
$44,000
$564
Option 2
$465
Option 2
$515
$46,000
$590
Option 3
$581
Option 2
$515
$48,000
$615
Option 3
$581
Option 2
$515
$50,000
$641
Option 3
$581
Option 3
$631
$52,000
$667
Option 3
$581
Option 3
$631
$54,000
$692
Option 3
$581
Option 3
$631
$56,000
$718
Option 4
$696
Option 3
$631
$58,000
$744
Option 4
$696
Option 3
$631
$60,000
$769
Option 4
$696
Option 4
$746
$65,000
$833
Option 5
$812
Option 4
$746
$70,000
$897
Option 5
$812
Option 5
$862
$75,000
$962
Option 5
$812
Option 5
$862
$80,000
$1,026
Option 5
$812
Option 5
$862
Number of Short Term Leave Days
Annual Predisability
Earnings
$20,000
Maximum
Weekly
STD Benefit
$256
45 - 59 DAYS
Maximum
Option
Option 1
45 – 49 DAYS
Weekly
Benefit
$256
60 – 89 DAYS
Maximum
Option
Option 1
60 – 89 DAYS
Weekly
Benefit
$256
$22,000
$282
Option 1
$282
Option 1
$282
$24,000
$308
Option 1
$308
Option 1
$308
$26,000
$333
Option 1
$333
Option 1
$333
$28,000
$359
Option 1
$359
Option 1
$359
$30,000
$385
Option 1
$385
Option 1
$385
$32,000
$410
Option 1
$410
Option 1
$410
$34,000
$436
Option 1
$436
Option 1
$436
$36,000
$462
Option 1
$462
Option 1
$462
$38,000
$487
Option 1
$487
Option 1
$487
$40,000
$513
Option 1
$500
Option 1
$513
$42,000
$538
Option 1
$500
Option 1
$538
$44,000
$564
Option 1
$500
Option 1
$564
$46,000
$590
Option 1
$500
Option 1
$590
$48,000
$615
Option 2
$615
Option 1
$600
$50,000
$641
Option 2
$615
Option 1
$600
$52,000
$667
Option 2
$615
Option 1
$600
$54,000
$692
Option 2
$615
Option 1
$600
$56,000
$718
Option 2
$615
Option 2
$715
$58,000
$744
Option 3
$731
Option 2
$715
$60,000
$769
Option 3
$731
Option 2
$715
$65,000
$833
Option 3
$731
Option 3
$831
$70,000
$897
Option 4
$846
Option 3
$831
$75,000
$962
Option 5
$962
Option 4
$946
$80,000
$1,026
Option 5
$962
Option 4
$946
Number of Short Term Leave Days
Annual Predisability
Earnings
$20,000
Maximum
Weekly
STD Benefit
$256
90 DAYS OR MORE
Maximum Option
90 DAYS OR MORE
Weekly Benefit
Option 1
$256
$22,000
$282
Option 1
$282
$24,000
$308
Option 1
$308
$26,000
$333
Option 1
$333
$28,000
$359
Option 1
$359
$30,000
$385
Option 1
$385
$32,000
$410
Option 1
$410
$34,000
$436
Option 1
$436
$36,000
$462
Option 1
$462
$38,000
$487
Option 1
$487
$40,000
$513
Option 1
$513
$42,000
$538
Option 1
$538
$44,000
$564
Option 1
$564
$46,000
$590
Option 1
$590
$48,000
$615
Option 1
$615
$50,000
$641
Option 1
$641
$52,000
$667
Option 1
$667
$54,000
$692
Option 1
$692
$56,000
$718
Option 1
$700
$58,000
$744
Option 1
$700
$60,000
$769
Option 1
$700
$65,000
$833
Option 2
$815
$70,000
$897
Option 2
$815
$75,000
$962
Option 3
$931
$80,000
$1,026
Option 3
$931