Disability
Coverage that keeps you financially secure through life’s challenges.
Short Term Disability Benefit Summary
Group # 997951
Member Service: (866) 868-6737
Website: portal.unum.com
Short Term Disability benefits provide partial income replacement in the event that you experience a planned or unplanned disability.
VyStar Credit Union provides short term disability benefits as part of your overall benefits package. The company pays for this benefit 100% – there is no cost to you.
Look in the menu for additional plan information including detailed benefit summaries, plan descriptions, forms, documents, FAQ’s, and provider search directories.
| Short Term Disability | |
|---|---|
| Benefit percent of salary | 60% |
| What is the maximum amount? | $2,500 |
| Elimination period – sickness | 14 days |
| Elimination period – accident | 14 days |
| What is the maximum duration? | 11 weeks |
| Is this company paid or employee paid? | Employer paid |
- This is an overview of benefits. Please review the plan documents or call Unum Group for benefit details, limitations, exclusions, and verification of coverage.
- For employees that live in CA, NJ, NY, RI and Hawaii, your state plan may pay as primary and the company benefit will be a “wrap around” benefit.
- Exact benefit amount will be validated at time of claim based on salary verification
- During the 14 calendar days STD “Elimination Period” benefits are not paid and employees would need to use any available PTO to cover this otherwise unpaid timeframe. This equates to approx 10 working days.
Long Term Disability Benefit Summary
Group # 997955
Member Service: (866) 868-6737
Website: portal.unum.com
Long Term Disability (LTD) benefits provide partial income replacement in the event that you become sick or disabled for an extended period of time.
The Core LTD plan is paid for by VyStar and will replace up to 60% of your monthly earnings up to $5,000; this is a taxable benefit.
If 60% of your monthly earnings (excluding bonus) exceeds $5,000 you will have the option to elect the voluntary Buy-Up LTD coverage. The Buy Up plan will provide additional income protection at 60% up to $10,000 for a total monthly max benefit of $15,000 when combined with the Core plan. The Buy-up premium is deducted post-tax so the benefit portion is not taxable; cost of coverage as based on your earnings and calculated in Workday.
Look in the menu for additional plan information including detailed benefit summaries, plan descriptions, forms, documents, FAQ’s, and provider search directories.
| Long Term Disability | |
|---|---|
| Benefit percent of salary | 60% |
| What is the maximum amount? | $5,000 |
| Elimination period | 90 days |
| What is the maximum duration? | SSNRA* |
| Is this company paid or employee paid? | Employer paid |
| Buy-up Long Term Disability | |
|---|---|
| Benefit percent of salary | 60% |
| What is the maximum amount? | $15,000 |
| Elimination period | 90 days |
| What is the maximum duration? | SSNRA* |
| Is this company paid or employee paid? | Employee paid |
* Social Security Normal Retirement Age
- This is an overview of benefits. Please review the plan documents or call Unum Group for benefit details, limitations, exclusions, and verification of coverage.
- Exact benefit amount will be validated at time of claim based on salary verification.
