Disability Plans

Short-Term Disability Plan

Short-Term Disability Plan pays basic benefits if you are unable to work due to pregnancy or non-work-related disabling injury or illness. The plan pays 55% of your eligible earnings up to $800 a month for up to six months following a waiting period. The Short-Term Disability Plan has a waiting period of 7 days; the waiting period may be longer if jointly enrolled in the Supplemental Disability Plan. Benefits begin after the waiting period has been met. Currently, UC pays the entire cost of your coverage so the plan is free to eligible employees.

Supplemental Disability Plan

Supplemental Disability Plan also pays benefits if you are unable to work due to pregnancy or disabling injury or illness. You choose a waiting period of 7, 30, 90, or 180-days. Supplemental Disability and Short-Term Disability Plan benefits, combined with other sources of disability or retirement income, pay 70% of your eligible earnings up to $10,000 a month for up to 12 months. After 12 months, Supplemental Disability Plan benefits pay either 1) 70% of your eligible earnings offset by Social Security Disability, or University California Retirement Plan Disability (UCRP DI), or other sources, 2) 50% of your eligible earnings if your income cannot be offset, or 3) $100/month minimum monthly benefit. These benefits are payable until you attain age 65; if you become disabled after reaching age 60, benefits may continue past age 65. This benefit is completely paid for by the employee; rates are based on waiting period, salary and age. Whatever waiting period is elected, the Short-Term Disability plans assumes the same waiting period. Regardless of the waiting period, an employee must first use 22 days of accrued sick leave, if available.

If you would like to enroll in the Supplemental Disability Plan, or shorten your waiting period outside of your PIE, please refer to "Supplemental Disability Plan, Statement of Health Procedure" under Related Links.

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University of California Retirement Plan (UCRP) Disability Provision

UCRP Disability Provision provides disability income when an eligible member has a disability that is permanent or expected to last 12 consecutive months or longer. This benefit is available to active members who satisfy certain minimum service requirements and who submit a timely application (see "Applying for Disability Benefits"). The service requirements, definitions and re-evaluation standards vary depending on the UCRP membership date. The length of the disability income period varies depending on the UCRP disability date. If the member is eligible to retire, elections for UCRP Disability and (regular) UCRP Retirement should be made simultaneously so benefits (if applicable) will continue in the event disability benefits are not approved.

For members with Social Security, disability income is a percentage of the member’s final monthly salary, minus a reduction of $106.40, which is an offset representing UC's contribution to Social Security on your behalf. The percentage is based on years of UCRP service credit as of the disability date, as shown below: Monthly Benefit is a percentage of final salary; percentage equals years of UCRP service credit then multiplied by final salary after the Social Security offset.

5 years but less than 6 years, 22.5%
6 years but less than 7 years, 25.0%
7 years but less than 8 years, 27.5%
8 years but less than 9 years, 30.0%
9 years but less than 10 years, 32.5%
10 years but less than 11 years, 35.0%
11 years but less than 12 years, 37.5%12 years or more 40.0%

The maximum disability income that may be payable, when combined with income from other sources, depends on the UCRP membership date. Members who become eligible for disability income will receive further details.

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UCRP Disability Health Coverage Provision

You may be eligible to continue your UC medical and dental coverage if you are approved for UCRP Disability if:

*Your UCRP disability income begins within 120 days of separation from employment
*You are enrolled in your UC plan(s) when you left UC employment
*You elect to continue coverage when you apply for UCRP disability income
*Your coverage is continuous (premiums are current) until the date your disability income begins
*You meet UC service credit requirements shown below, based on your UCRP entry date
*You have not been on leave without pay for more than 24 months

   *see "Eligibility" column below.

 UCRP Entry Date
Before January 1, 1990

UCRP Entry Date
January 1, 1990 and later

You are eligible and will receive 100% Regents' Contribution if you do not have a break in service of more than 120 days

You are eligible if you have at least 5 years of UCRP service credit. You will receive prorated Regents' Contribution, as shown below, based on your years of UCRP service credit. This is called Graduated Eligibility.

 

Years of Service

*Eligibility

Regents' Contribution

 0-4

*No

 None

 5-10

*Yes

 50%

 11-20

*Yes

 Increases 5% for every additional year over 10 years, up to 100%

 

Regents' Contribution - the amount of money UC will contribute to your medical & dental premiums. Additional costs, if any, are deducted from your monthly benefit payments.

Health and welfare benefits are not accrued or vested benefit entitlements. UC’s contribution toward the monthly cost of the coverage is determined by UC and may change or stop altogether. Only UC service credit counts toward eligibility for medical and dental benefits. (Service credit from a reciprocal system as a non-UC employee only affects retirement plan benefits.)


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Medicare

Medicare, the nation’s health plan, has a provision for pre-age 65 enrollment for its participants who become permanently disabled. All UC employees who are eligible for Medicare parts A & B are required to enroll in Medicare and coordinate their Medicare coverage with their UC retiree medical plan. (Medicare part D enrollment requirements are subject to the individual senior health plan carrier's procedures.) If the retiree or eligible family member is eligible for Medicare benefits but does not enroll when eligible, the beneficiary will be permanently de-enrolled from UC medical coverage.

California State Disability Insurance (SDI)

UC does not participate in the California SDI program. Instead it offers the Short-Term Disability Plan to help protect you against a loss of income due to a disability. If you become disabled during your first 18 months of employment at UC, you may be eligible for California State Disability Insurance based on your previous non-UC employment. Check with the California State Employment Development Department for application and procedures.

Return to Work

Most UC locations have rehabilitation counselors or disability management staff who can assist employees with return to work, especially in cases where job modifications might be necessary. Please see Stay at Work Checklist under related links for details.

Workers' Compensation

This federal income replacement program provides employees who have a work-incurred injury with medical and income replacement benefits. Please visit the Office of Insurance and Risk Management for more specific information.

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