DISABILITY

What is Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Short-Term Disability Plan Rules:

  • Eligibility: All full-time employees working 20+ hours/week

  • Coverage provided by OneAmerica

  • Must be actively at work on the effective date

  • Employees do not have to exhaust sick-leave prior to receiving a benefit

  • No Health Questions-EVERY YEAR! (Pre-existing condition will apply for new participants)

  • Pays in addition to sick leave (Not to exceed 100% of pre-disability earnings)

Long-Term Disability Plan Rules

  • Eligibility: All full-time employees working 20+ hours/week

  • Coverage provided by OneAmerica

  • Must be actively at work on the effective date

  • Employees do not have to exhaust sick-leave prior to receiving a benefit

  • No Health Questions-EVERY YEAR! (Pre-existing condition will apply for new participants)

OneAmerica website link: CLICK HERE

If you still have questions, contact Campus Benefits:

See important claims information on page 5 of the Employee Benefits Guide.

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