Voluntary Group Short Term Disability (STD)

Voluntary Group Short Term Disability (STD)

The Standard

Employees should have received a packet of materials from The Standard via the US mail. Contents include a guide to your benefits and the enrollment form.

NOTE: You must complete this form to keep your coverage!

Disability income insurance can provide a portion of the income you would lose if you became disabled and could not work. This would help to pay your everyday living expenses and it may assist you in maintaining the standard of living you and your family now enjoy.

THIS YEAR ONLY:

  • Elect for the first time without having to answer health questions
  • No late enrollment penalty (an extended 60 day waiting period for receipt of benefits)
  • No premium cost increase

 

How to Enroll

When completing your required enrollment form, check the box to the left of “Short Term Disability (Employee Paid)” plan option and list the amount of coverage you are electing or opting to continue.

IMPORTANT: persons presently covered must confirm their benefits by completing the form.

Don’t know how much coverage you have? Find the amount of weekly benefits on your current election sheet - Open Enrollment 2019-2020 (left column on chart under “Current Benefit Election,” which was provided to you by CES). 

Enrollment and Change Form

 

Learn More about Short Term Disability Benefits 

Short Term Disability Plan Information

Benefits are issued in response to the filing of a claim and can be collected for no more than 13 weeks. Short term disability benefits begin after an employee has been out of work for 14 days. Benefits are not taxable when received. After short term disability benefits are exhausted, long term disability coverage becomes available. CES provides employees with long term disability free of charge.

 

Short Term Disability Cost Information

This varies from individual to individual, depending on the amount of benefit elected and his or her age. The monthly rate per $10 of weekly coverage is based on your age band. View the chart below for details.

Short Term Disability Rate Chart

 


Why should I change the amount of my coverage?

Employees often think that their benefit increases when their salary does; however that is not the case. An employee must elect an increase, otherwise the benefit amount remains the same from year to year. Change your benefit amount by filling out an Evidence of Insurability form. Applications for benefits (new elections and increases in coverage) are subject to underwriting and may be denied.

How much can I collect?

Up to 60% of your salary. Employees elect the amount of coverage they need.

For more information, contact: 
Phone: 
413.586.4900 x5923, x5922 or x5932
Email: 
hr@collaborative.org