Short-Term, Long-Term Disability Options
Employees may choose short-term and/or long-term disability income protection insurance. Premiums vary depending upon the employee's salary and are payroll deducted. The following disability income protection insurance options are offered by Seminole State through the UNUM Life Insurance Company.
Short-term Disability Income Protection Insurance
| Pretax (Flex Plan) |
No |
| Benefit Formula |
66 2/3% of employee's basic weekly earnings |
| Maximum Weekly Benefit |
$1,400 |
| Benefit Duration |
60 days |
| Elimination Period |
Accident – 30 days, Sickness – 30 days |
| Premium per month |
Employee:$.37 per $100.00 of employee's monthly base salary |
| Comment |
Weekly benefit is paid only from the 31st day through the 90th day of disability; maximum payable for each disability is 60 days. |
Long-term Disability Income Protection Insurance
| Pretax (Flex Plan) |
No |
| Benefit Formula |
60% of employee’s monthly base salary |
| Benefit Duration |
Your duration of benefits is based on your age when the disability occurs. If your disability occurs before age 60, benefits will be payable until age 65. If your disability occurs at or after age 60, benefits would be paid according to a benefit duration schedule. |
| Maximum Monthly Benefit |
$5,000 |
| Elimination Period |
Accident – 30 days, Sickness – 30 days |
| Premium per month | Age Bands | Rates Per $100 of Covered Salary |
| Less than 25 |
.08 |
| 25 - 29 |
.11 |
| 30 - 34 |
.17 |
| 35 - 39 |
.24 |
| 40 - 44 |
.30 |
| 45 - 49 |
.43 |
| 50 - 54 |
.58 |
| 55 - 59 |
.73 |
| 60 - 64 |
.73 |
| 65 - 69 |
.90 |
| 70 and over |
1.16 |
| Comments |
Benefits begin on the 91st day after a continuous period of total disability, although disability payment is generally not received for at least an additional 30 to 45 days. |
For additional information, please refer to the following documents:
For claims information or forms, please contact Human Resources at 407.708.2387 or 407.708.2640.
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