Long & Short Term Disability

Long Term Disability

Long Term Disability Eligibility

Faculty, Staff and Post Doc employees who work at least 20 hours a week and are classified as regular full-time or part-time are eligible.

Temporary employees are not eligible for Long Term Disability.

Long Term Disability Enrollment

No enrollment is necessary for Long Term Disability.

• For faculty and principles, coverage begins immediately.
• For staff and post-doctoral fellows, coverage begins one year after eligibility unless you have LTD coverage for five years by a qualified plan of a previous employer. Documentation of the previous coverage must be provided.

To enroll in the Cost of Living Adjustment (COLA) option:

• All employees must enroll in COLA within 31 days of their eligibility.
• If you do not enroll within 31 days of eligibility and would like coverage at a later date, you must wait for the annual enrollment period and provide an Evidence of Insurability to gain coverage subject to approval by UNUM.

Vendor Contacts

UnumProvident
(888) 748-2950

Long Term Disability Coverage

Long Term Disability (LTD) coverage helps you maintain a monthly income if you are sick or injured and can’t work. This benefit begins on the day following 180 days of an approved disability and pays 60% of your monthly earnings, up to a maximum monthly benefit of $15,000 per month. If you are participating in the Emory Retirement Plan, and making and or receiving contributions, that continues while on LTD.

Benefits are not paid for disabilities that arise from an illness or injury that took place within the three months before your coverage begins.

Benefits are reduced by the amount of any other disability benefits you receive.

Emory pays the full cost of this portion of the plan.

How to Submit a Claim for Long Term Disability

When you qualify to begin receiving Long Term Disability benefits, you must submit a UNUM Disability Claim Form. The form must be completed by your physician, your manager, and yourself. Mailing and faxing instructions are provided on the form.

Long Term Disability Additional Cost of Living Allowance (COLA)

You may elect COLA which allows you to receive a 4% annual adjustment to your LTD benefits if you are on LTD more than a year.  Premium deductions are taken from your paycheck after taxes are calculated.  Benefits received are not subject to federal or state income tax.

You must elect COLA within 31 days of being eligible or you need to provide evidence of insurability during the annual enrollment period.

UNUM Evidence of Insurability Form

Long Term Plan Information Documents

Long Term Disability Summary Plan Description

Long Term Plan Forms

UNUM Disability Claim Form

Short Term Disability

Short Term Disability Eligibility

Staff and Post Doc employees who work at least 20 hours a week and are classified as regular full-time or part-time are eligible. Faculty and principals are covered by the salary continuation policy; therefore, faculty and principals do not need short term disability insurance.

Temporary employees are not eligible for Short Term Disability.

Short Term Disability Enrollment

You must enroll online through Employee Self Service within 31 days of becoming eligible for coverage. Short Term Disability is effective the month after you enroll.

If you do not enroll within 31 days of eligibility and would like coverage at a later date, you must wait for the annual enrollment period and provide an Evidence of Insurability to gain coverage subject to approval by UNUM.

Vendor Contacts

UnumProvident
(866) 765-8490

Short Term Disability Coverage

For 2009, employee cost has been reduced for STD.

Short Term Disability (STD) coverage helps you maintain a weekly income if you are sick or injured and can’t work for a short time. The plan replaces 60% of your weekly base salary for the first 180 days of an illness or injury.

Employees may elect a 15, 21, 30 or 60 day waiting period. Short Term Disability employee contributions are based on the waiting period you choose and are taken out on an after-tax basis.

Benefits are reduced by the amount of any other state disability benefits.

Prior to January 1, 2008 all accrued leave balances must be exhausted before benefits are payable. This included sick, vacation and floating holidays.

How to Submit a Claim for Short Term Disability

To submit a claim for Short Term Disability (STD), call Unum at (866)765-8490. The Group Plan is 107388 for Emory University. You may want to review the instructions for submitting a Short Term Disability Claim by Telephone.

Short Term Plan Information Documents

Short Term Disability Summary Plan Description

Short Term Plan Forms

Short Term Disability Claim by Telephone

Emory University Benefits

Hours of Operation: Monday through Friday from 8:00 a.m. to 5:00 p.m.
1599 Clifton Road, NE
Atlanta, GA 30322
(404) 727-7613

Disclaimer

Emory reserves the right to terminate, suspend, withdraw, amend or modify the Plan in whole or in part at any time. Further, Emory reserves the right to terminate or modify coverage for any group of employees, active or retired and their dependents or a class of dependents at any time.