Supplemental Disability Premiums Increase

As announced during Open Enrollment, UC's Supplemental Disability Plan premiums are increasing 15% beginning with the premium withheld from enrolled employees' February 1, 2009, paycheck if paid monthly, and the January 21, 2009, paycheck if paid bi-weekly. The premium is based on your age, gross covered monthly salary as of January 1, 2009, and the Disability Waiting Period selected.

Although the 15% increase applies to all participants, you may consider reducing your premium by increasing your waiting period. If you are enrolled in supplemental disability with a seven-day waiting period and have enough accrued sick leave to cover a longer waiting period, you might think about increasing your waiting period to 30 days, 90 days or 180 days thereby decreasing your premium. To find out more about Supplement Disability and how to calculate the new premium based on different waiting periods, go to Related Information. 

Keep in mind that while you can increase your waiting period at any time, you can only reduce your waiting period by submitting an application and statement of health to Liberty Mutual. Liberty will decide whether or not your waiting period may be shortened based on medical evidence concerning your health. If you increase your waiting period now, and change your mind at a later date, your request for a shorter waiting period in the future may not be approved.  

Female employees who plan to use Supplemental Disability coverage for pregnancy disability and child birth should note that, depending on your available sick leave and whether or not your pregnancy/delivery has complications, you may not be "disabled" long enough to receive benefits unless you have a seven-day or 30-day waiting period. For example, if you have more than 22 days of accrued sick leave and a seven-day waiting period, you are paying a higher premium for the shorter waiting period without any advantage because you are required to use your accrued sick leave up to 22 days (176 hours) before disability benefits are payable under the plan. 

If you have any questions, call the Campus Central Benefits Office at extension 40830.

 

Campus Human Resources, Benefits Services
Phone: (310) 794-0830 | Fax: (310) 794-0835