Short Term Disability

Short Term Disability

Short Term Disability (STD) coverage provides financial protection to you if you can't work for a limited period of time due to illness, injury, or pregnancy. If you qualify for benefits, the plan will replace a portion of your eligible pay.

Short term disability coverage is employee-paid and voluntary. However, some states require disability insurance. If you live in such a state, and you decline the voluntary Company short term disability plan, you will be automatically enrolled in the state plan and will have a payroll deduction for the state-mandated coverage. 

For California employees who are covered by the Company voluntary STD plan, some provisions may be different as required by the state. Differences will be noted in this summary plan description.

The Short Term Disability Plan ensures that, if you qualify, your disability benefit from "all benefit sources" is equal to the coverage offered by the STD plan. This means that other benefits you receive as a result of your disability will reduce the benefit payable under this plan so that the combined benefits are equal to the coverage offered by the STD plan. For a summary of other income sources, see Benefit Reductions.

The STD program is administered by Lincoln Financial.

This information here is intended to help you understand the plan and how it works. It is not the official Summary Plan Description. To view the complete Summary Plan Description, please reference the applicable Short Term Disability Carrier Booklet below and the CMSU Wrap SPD. 

• STD Carrier Booklet for California employees
• STD Carrier Booklet for Non-California employees earning 70% or less of the California state average weekly wage 
• STD Carrier Booklet for Non-California employees earning more than 70% of the California state average weekly wage