{"id":16477,"date":"2023-05-24T14:33:19","date_gmt":"2023-05-24T18:33:19","guid":{"rendered":"https:\/\/marymount.edu\/?page_id=16477"},"modified":"2023-06-12T11:00:40","modified_gmt":"2023-06-12T15:00:40","slug":"short-term-std-long-term-ltd-disability-insurance","status":"publish","type":"page","link":"https:\/\/marymount.edu\/faculty-and-staff\/human-resource-services\/benefits-2\/short-term-std-long-term-ltd-disability-insurance\/","title":{"rendered":"Short-Term (STD) &amp; Long-Term (LTD) Disability Insurance"},"content":{"rendered":"<p>Disability insurance is not something you think about every day.\u00a0 But they should be an important part of everybody\u2019s financial planning \u2013 no matter what your age.\u00a0 Your benefits program offers the following coverages provided by UNUM to help protect you and your family when it\u2019s needed most.<\/p>\n<h2>Eligibility Information<\/h2>\n<p>As a full-time employee, 30+ hours per week, you are eligible for short-term and long-term disability insurance after six (6) months of continuous service.<\/p>\n<h2>When Coverage Ends<\/h2>\n<p>Benefits end at the end of your last day worked.<\/p>\n<h2>Short-Term Disability (STD) Insurance<\/h2>\n<p>Short-Term Disability (STD) insurance provides income continuation while an employee is unable to work due to injury or illness. The short-term disability period is 120 days from the first day of your approved disability.<\/p>\n<ul>\n<li><strong>Staff:<\/strong> must be out for a minimum of 7 days<\/li>\n<li><strong>Marymount Services Company (MMC<\/strong>): must be out for minimum 7 days<\/li>\n<li><strong>Faculty:<\/strong> must be out for minimum 14 days<\/li>\n<\/ul>\n<p>Employees may receive:<\/p>\n<ul>\n<li><strong>Staff:<\/strong> 75% of earnings not to exceed 16 weeks of duration including the elimination period of 7 days.<\/li>\n<li><strong>Marymount Services Company (MMC):<\/strong> 66 2\/3% of earnings not to exceed 16 weeks of duration including the elimination period of 7 days.<\/li>\n<li><strong>Faculty:<\/strong> 75% of earnings not to exceed 14 weeks of duration including the elimination period of 14 days.<\/li>\n<\/ul>\n<h2>Long-Term Disability (LTD) Insurance<\/h2>\n<p>If you are approved for LTD, you will be transferred into the Long-Term Disability program after 120 days of Short-Term Disability.\u00a0 UNUM Long-Term Disability insurance provides income continuation while an employee is unable to work for an extended period of time due to an illness or injury.<\/p>\n<p>Employees receive 66 2\/3% of monthly earnings with a maximum per month depending on employment type.\u00a0 Maximum period of payment depends on age at onset of disability.<\/p>\n<ul>\n<li><strong>Staff:<\/strong> $4,500 max per month<\/li>\n<li><strong>Faculty &amp; Administrators:<\/strong> $6,500 max per month<\/li>\n<li><strong>VPs\/Cabinet:<\/strong> $12,500 max per month<\/li>\n<\/ul>\n<h2><strong>\u00a0<\/strong>Contact and Plan Information<\/h2>\n<p>Access <u>UNUM<\/u> to file a claim and access resources.<\/p>\n<table style=\"width: 53.1872%;\" width=\"624\">\n<tbody>\n<tr>\n<td style=\"width: 36.3636%;\" width=\"208\">Reporting a Claim by Phone<\/td>\n<td style=\"width: 29.1866%; text-align: center;\" width=\"208\">(888) 673-9940<\/td>\n<td style=\"width: 34.9171%; text-align: center;\" width=\"208\">Claim Information Flier<\/p>\n<p>STD Policy #145107<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.3636%;\" width=\"208\">UNUM Life and Disability<\/td>\n<td style=\"width: 29.1866%; text-align: center;\" width=\"208\">(800) 421-0344<\/td>\n<td style=\"width: 34.9171%; text-align: center;\" width=\"208\">www.unum.com<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Disability insurance is not something you think about every day.\u00a0 But they should be an important part of everybody\u2019s financial planning \u2013 no matter what your age.\u00a0 Your benefits program offers the following coverages provided by UNUM to help protect you and your family when it\u2019s needed most. Eligibility Information As a full-time employee, 30+ [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/marymount.edu\/faculty-and-staff\/human-resource-services\/benefits-2\/short-term-std-long-term-ltd-disability-insurance\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":222,"featured_media":0,"parent":16443,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/left-sidebarpage.php","meta":{"_acf_changed":false,"_lmt_disableupdate":"no","_lmt_disable":"","ngg_post_thumbnail":0,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.3 (Yoast SEO v22.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Short-Term (STD) &amp; Long-Term (LTD) Disability Insurance - Marymount University<\/title>\n<meta name=\"description\" content=\"Disability insurance is not something you think about every day.\u00a0 But they should be an important part of everybody\u2019s financial planning \u2013 no matter what . 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