Short Term Disability

Understanding your Options

For income replacement coverage for non-work related accident or illness, you may purchase Short Term Disability (STD) through either The Hartford or Unum Provident.   

  • There is a maximum benefit of 26 weeks. 
  • Contributions are after tax so benefits are tax-free.  

Compare short term disability plans


The Hartford 

Unum Provident

Benefit amountWeekly benefit of 66.66% of covered weekly base payWeekly benefit of 70% of covered weekly base pay
Maximum benefit$769.27 per weekYou may select one of three maximum weekly benefit amounts:
  • A - $750 based on an annual salary of  $55,714
  • B - $1,500 based on an annual salary of $111,430
  • C - 2,000 based on an annual salary of  $148,571
Benefits begin On the 31st day for illness\injury or immediately if injury is due to an accident
Exception for late entrants: Benefits begin on the 61st of illness or injury or immediately if injury due to an accident
Benefits begin on the 31st day. A pre-existing condition may apply
Open enrollmentYou may add or stop coverageYou may add, increase, decrease or stop coverage
Additional benefitsNoneIncludes $30,000 of AD&D coverage. To receive this benefit you must enroll & designate a beneficiary

Additional information on the benefits provided through the Unum

Faculty sabbatical leave

The temporary reduced salary that comes with sabbatical leave affects your disability insurance coverage. If you become disabled while on sabbatical, your benefit payment will be based on your reduced salary and not on your regular 100 percent salary.

Short-term disability procedures and forms