2013 Employee Benefits Guidebook - Administration Home

DISABILITY BENEFITS
SHORT TERM DISABILITY (STD) - Unum Policy #907374
WEEKLY BENEFIT: If you are Totally Disabled beyond the elimination period due to a
covered injury or sickness, you may be eligible to receive a weekly benefit of 60% of your basic
weekly income to a maximum benefit of $1,000. This benefit may be reduced by income or
benefits from certain other income sources listed in your plan document.
DEFINITION OF TOTAL DISABILITY: Total Disability is defined as the inability to perform
the material and substantial duties of the employees’ regular occupation due to injury or illness
as certified by a health care provider and approved by the Disability Management Company.
ELIGIBILITY DATE: An employee becomes eligible for coverage provided by the Policy on
the later of the Policy’s effective date or the date the Insured Employee satisfies the Waiting
Period specified in the Policy Effective Date.
POLICY EFFECTIVE DATE: Employees are eligible for coverage on the first of the month
following the first day of full-time employment or concurrent with their date of hire if hired on
the first day of the month. If you are hired full-time starting from the 1 st through the 15 th of the
month, coverage is effective the first day of the next month. If you are hired full-time starting
the 16 th through the last day of the month, coverage is effective on the first day of the second
following month. (Example 1: First day of full-time employment is January 15 th , coverage is
effective February 1 st . Example 2: First day of full-time employment is January 16 th , coverage
is effective March 1 st .)
ELIMINATION PERIOD: Benefits begin following 14 continuous days of Disability or
following exhaustion of available sick and vacation benefits, whichever is later.
HOW TO REPORT A DISABILITY CLAIM:
1. Advise your supervisor or manager as soon as possible, preferably on or before your first
absence.
2. Call the UNUM hotline at 888-673-9940 as soon as possible, or you can access the form
on the following website: http://w3.unum.com/enroll/ElPasoCounty/enrollment.aspx
NOTIFICATION OF CLAIM DECISION: The insurance company will notify both the
employee and the Benefits Administrator of their claim decision. Claims can take a few weeks
or even longer to be processed so employees are encouraged to submit their paperwork as soon
as possible. STD checks are available in the Employee Benefits and Medical Services Benefits
Division office after 9:00 a.m. on paydays.
SUMMARY PLAN DESCRIPTION (SPD): The SPD information may be obtained by
contacting the Employee Benefits Division at 719-520-7420.
WHO PAYS FOR DISABILITY COVERAGE: Employees are required to contribute $5.00 per
pay period for their Short Term Disability coverage.
2013 Employee Benefit Guidebook
Updated August 2013