Disability Income Protection | Voluntary BenefitsUnum Short-Term Disability Income Protection
How It Works
This plan provides you with weekly income replacement if you become disabled, as defined in the policy. Short-Term Disability (STD) benefits begin after you meet the definition of disability and satisfy a 14-consecutive-day elimination period. Benefit payments are issued in arrears on a weekly basis, and benefits can continue for each period of disability, but not beyond the maximum benefit period of 24 weeks. The minimum weekly benefit is 25% of your gross disability payment. Under no circumstance will a benefit be payable which exceeds 66⅔% of your weekly earnings.
Note: Coverage levels of the UNUM Disability Plans that are offered through Duval County Public Schools are based on your annual salary.
Submitting a claim for STD
A telephonic claims intake service is available on the STD plan. This service eliminates the need to submit a paper claim. Initiate your claim by calling Unum’s toll-free telephonic claim intake number, 1-888-857-0157, and report your claim (Group #23310). Call within 14 days after the date your disability begins or as soon as possible. A Unum intake specialist will take your information by phone. However, it will be your responsibility to provide an authorization form to your physician to be signed/dated and faxed or mailed to Unum. This allows Unum to access your medical records in order to process your claim.
You can also file STD and LTD claims, check claim status, use the camera on your device to upload documents (medical records, claim forms, authorization forms, etc.), and more with the Unum mobile app.
Short Term Disability Monthly Rates
|If Your Gross Annual Is At Least:||You are eligible for a monthly disability benefit of:||20 PAY|
What’s not covered
Benefits will NOT be paid for disabilities resulting from:
- Intentionally self-inflicted injuries
- War, declared or undeclared, or any act of war or active participation in a riot
- The commission of a crime for which you have been convicted under state or federal law
- Occupational sickness or injury (STD only)
- Workers’ Compensation (STD only)
- Pre-existing condition
- The loss of a professional license or certification
In addition, benefits will not be paid for a disability if you are not receiving regular in-person medical treatment from a legally qualified physician during the period of disability or if the disability is not certified by a legally qualified physician.
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