2024 University of California
Benefits At-A-Glance
You are eligible to enroll in Voluntary Short-Term Disability Insurance
if you are eligible for Core, Mid-level or Full benefits
The Lincoln Short-
term Disability
Insurance Plan:
• Provides a cash benefit when
you are out of work for up to 24
weeks due to injury, illness,
surgery, or recovery from
childbirth
• Features group rates for
University of California
employees. A premium
estimator can be found on
UCnet to assist you in
determining your monthly cost
for this benefit
• Offers a fast, no-hassle claims
process
Voluntary Short-Term
Disability Insurance
Voluntary STD (partially paid by you through payroll deduction)
Weekly benefit amount
60% of your weekly salary when you
are out of work due to injury, illness,
surgery, or recovery from childbirth.
The maximum monthly benefit is
$15,000. This benefit is partially taxable
as both you and the University of
California share in the cost of this
benefit
•
Monthly Cost: The Voluntary STD insurance premium requires employee
contributions. A premium estimator can be found on UCnet.
•
to assist you in determining your monthly cost for this benefit.
•
Benefit Elimination Period: This is the number of days you must be
disabled before you can collect disability benefits. The period for which a
benefit is payable will commence on the latest of the following:
a)
on the 15th day of continuous Disability resulting from Injury or
Sickness.
b)
exhaustion of accumulated sick leave (must exhaust 30 calendar days
which equate to 22 working days not including paid holidays); or
c)
earnings cease
•
Maximum Coverage Period: This is the number of weeks you can collect
disability benefits (also known as the benefit duration). Disability benefits
will end at either the end of the disability or the end of the 24th week of
disability benefit payments, whichever comes first.
•
Definition of Disability: “Disability” or “Disabled,” with respect to
Voluntary Short-term Disability, means you, as a result of Injury or
Sickness, are unable to perform with reasonable continuity the Material
and Substantial Acts necessary to pursue your Own Job in the usual and
customary way
•
Partial Disability Benefits: Partial disability benefits can be payable if your
earnings are between 20% and 80% of your pre-disability earnings.
•
Successive Disability Benefits: A Successive Period of Disability will be
treated as part of a prior Disability if, after receiving Disability Benefits
under this coverage, you
1. return to work for the University on an Active Employment basis, based
on your normally scheduled workday; and
2. in less than four consecutive weeks (20 consecutive workdays) after you
return to work for the University and while covered under this plan, you
again become Disabled due to the same or related cause as the prior
Disability.
Lincoln Financial Group
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Benefit Exclusions & Reductions
Like any insurance, this short-term disability insurance policy does have some exclusions. You will not receive
benefits if:
•
Your disability is the result of cosmetic surgery, unless related to a disabling condition
•
Your disability occurs while you are committing a felony or misdemeanor or participating in a riot
Your benefits may be reduced if you are eligible to receive benefits from:
•
Sick pay from your employer
•
A state disability plan or similar compulsory benefit act or law
•
A retirement plan
•
Social Security
•
Any form of employment
•
Workers’ Compensation
A complete list of benefit exclusions and reductions is included in the policy. State restrictions may apply to this
plan.
Online solutions to manage your benefits
The University of California has a comprehensive website on UCnet dedicated to the Disability Plan. You can
access this website by visiting: https://ucnet.universityofcalifornia.edu/compensation-and-benefits/disability-
life-accident/disability/index.html
Additionally, Lincoln provides online resources and tools to help you better understand and manage your
benefits on its Portal. You can:
•
Report an absence or track the status of an existing absence
•
Review claim payment information
This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does
not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes
the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the
policy, the policy will govern.
Group insurance products and services described herein are issued by Lincoln Life Assurance Company of Boston. Lincoln Financial Group is the marketing
name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.
©2019 Lincoln National Corporation
LCN-2599404-061719
Supplemental Short-term Disability Insurance At-A-Glance
STD-ENRO-BRC001-CA
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