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    Short-Term Disability
     


    STD Coverage Summary

    Certificate

    This insurance will provide a benefit of 60% of your pre-disability base salary, reduced by any other deductible income you receive, up to a maximum salary of $1,000 per week, with a maximum benefit amount of $600 per week, and a minimum benefit amount of $50 per week. You must use your own accruals, if available, for the first calendar week. Your Short Term Disability benefits will begin on the 8th day of disability, and continue for a maximum of 12 weeks per occurrence. This coverage, if elected, is paid for entirely by the employee.  Benefit is not taxed.

    NOTE:  The maximum plan benefit is based on a salary of $52,000 per year.  Even though your salary may be higher, your benefits will be capped at $600 per week.  If applicable, this is the amount your premiums will be based on.

    You are responsible for filing your claim for these benefits in a timely manner. 
    Contact the Lee County Benefits helpline 533-2363 to start your claim paperwork.

    Short-Term Disability (STD)


    What would happen if you couldn't work for up to three months? Our short-term disability plan provides income to
    offset the financial losses that result when you are unable to work for a short period of time. The loss of time at
    work can result from your own physical injury, disease, pregnancy, or mental disorder.

     

     PROGRAM FEATURES  

    FEATURE

    STD INSURANCE BENEFITS

    Benefit Amount

    Provides a benefit of 60% of your pre-disability base salary, reduced by any other taxable income you receive*

    Benefit Maximum

    60% of an annual salary of $52,000; or $600 per week for a maximum of 12 weeks

    Elimination (Waiting) Period

    Benefits begin on the eighth calendar day of disability

    Other

    During the elimination (waiting) period, you will be paid from your accumulated leave accruals (sick and vacation time) if available

    Cost

    The cost of STD coverage will vary based on your salary and your age. STD payroll deductions are made on an after-tax basis

    Benefit Payments

    STD benefits payments are not considered taxable income because you already paid the taxes on your premiums

     *The benefit will be reduced by any income received from other sources, such as other disability programs,
    Social Security, or retirement on a dollar-for-dollar basis.