2025 Benefits Open Enrollment: Disability Insurance (Short and Long Term)
On this page:
About Disability Insurance
Wright State University offers disability insurance to benefit-eligible employees (75% FTE or higher). The university’s disability vendor is UNUM, and there are two plan offerings:
- Short-Term Disability
- Long-Term Disability
Short-Term Disability (STD)
Short-term disability coverage, if purchased, protects employees from income loss due to an extended illness, accidental injury, or other medical condition (including childbirth) that requires ongoing physician care. Employees who do not have a large amount of accrued leave are encouraged to consider purchasing short-term disability insurance.
Plan Benefits
Upon an approved claim, short-term disability coverage provides a 60% income replacement of your regular monthly salary (up to $2,310 per week maximum). The weekly benefit may be reduced by other income benefits such as Social Security Disability Insurance. Short-term disability benefits may continue for up to 26 weeks, after which a claim for long-term disability benefits can be submitted.
Filing a Claim
When filing a claim, a waiting period must be satisfied before receiving short-term disability benefits from the university’s disability vendor. This period is fulfilled when all accrued leave has been exhausted or when 14 calendar days of continuous disability have been reached, whichever is later.
Cost
Short-term disability premiums are based on the employee's age and salary. Use the Short-Term Cost Disability Calculator to calculate your monthly premium.
During open enrollment, take the following action(s) to continue, enroll, or terminate short-term disability coverage:
| Step | Action Required |
|---|---|
|
Continue |
No action is required. The benefit will automatically continue. |
|
Enroll |
Step 1: Submit the Short-Term Disability Enrollment Form (PDF) to HR by November 14, 2024. Step 2: Submit an electronic Statement of Health to Unum by November 21, 2024. Use access code V3BIMYW. |
|
Terminate |
Email HR-Benefits@wright.edu by November 14, 2024, to request termination of coverage effective December 31, 2024. |
Long-Term Disability (LTD)
Wright State University, at no cost to you, provides eligible employees with long-term disability benefits, and enrollment is automatic. If your extended disability prevents you from working six months or longer, you can submit a long-term disability claim with the university’s disability vendor.
Plan Benefits
Upon an approved claim, long-term disability benefits provide income protection after a six-month waiting period, and all accrued leave has been exhausted. The coverage provides 60% of your regular monthly salary (up to $10,000 per month maximum). The monthly benefit may be reduced by other income benefits, such as Social Security Disability Insurance.
Filing a Claim
When filing a claim, a six-month waiting period must be satisfied before receiving long-term disability benefits from the university’s disability vendor.
