Base coverage:

Full-time Employees: Base coverage provided by Miami-Dade County Public Schools at no cost to you 60 percent of your eligible earnings, up to a maximum benefit of $500 per week.  Plan minimum $25 per week.

Part-time (B,E,F,L) Employees:  Base coverage you can purchase, paid for by you 60 percent of your eligible earnings, up to a maximum benefit of $500 per week.  Plan minimum $25 per week.

Buy-up coverage:

Full-time Employees: Buy-up coverage you can purchase, paid for by you and your Employer 60 percent of your eligible earnings, up to a maximum benefit of $1000 per week.  Plan minimum $25 per week.

Part-time (B,E,F,L) Employees: Buy-up coverage not available.

Full-time Employees:

Base coverage provided by Miami-Dade County Public Schools at no cost to you

• 30 days for accidental injury
• 30 days for physical disease, pregnancy or mental disorder

Buy-up coverage you can purchase, paid for by you

• 15 days for accidental injury
• 15 days for physical disease, pregnancy or mental disorder

Part-time Employees:

• May enroll in either 15 day or 30 benefit waiting period plan

Full-time Employees:

Base coverage provided by Miami-Dade County Public Schools at no cost to you

22 weeks

Buy-up coverage you can purchase, paid for by you

24 weeks

Part-time Employees:

Your maximum benefit period is 22 weeks for the 30 day plan or 24 weeks for the 15 day plan

Requests for coverage increases require that you answer health questions. Complete a medical history statement for approval online at:

https://myeoi.standard.com/758361

.

Return to Work Incentive

You will remain eligible for STD benefits while you are working if you meet the definition of disability. Your work earnings will not be deducted from your STD benefit, which is the benefit payable to you while you are working. Your STD benefit is proportional to your loss of earnings during a period of disability. See your group insurance certificate for additional information.

Help With Returning To Work

If a worksite modification would enable you to return to work, we can help your employer make approved modifications by covering some or all of the cost.

Health Advocate Select

While you are out on a short term disability claim, you can contact Health Advocate and be assigned a Personal Health Advocate who will help you navigate the complexities of the healthcare system. https://www.standard.com/eforms/18390.pdf

As you consider Short Term Disability insurance, think about the expenses you would need to cover if you became disabled:

• Housing costs
• Utilities
• Groceries
• Medical bills
• Car insurance
• Child care costs

Your employer provides you with a basic level of disability insurance. Will that be enough for you? If not, you have the option to enroll in an enhanced level of disability insurance.

To estimate your insurance needs, you’ll need to consider your unique circumstances. Use our online calculator at www.standard.com/disability/needs.

Your base policy is paid for by Miami-Dade County Public Schools and costs you nothing. If you choose to purchase buy-up coverage, you’ll have access to competitive group rates that may be more affordable than those available through individual insurance. You’ll also have the convenience of having your premium deducted directly from your paycheck.

Determine your premium by choosing a payroll cycle and following One of the following below:

• • 10-months (20 Deductions) Annual Salary $_______÷52 x $.60 ÷10 x $.097 x 12÷20= $_____
  • 11-months (24 Deductions) Annual Salary $_______÷52 x $.60 ÷10 x $.097 x 12÷24= $_____
  • 12-months (26 Deductions) Annual Salary $_______÷52 x $.60 ÷10 x $.097 x 12÷26= $_____
• Part-Time Employees your monthly post tax premium is $9.84.
• Part-Time Employees your monthly post tax premium for upgrade is $15.83.

Note: If you elect the Buy-up Short Term Disability coverage,

your monthly rate is $0.097 per $10 of weekly benefit.

A minimum number of eligible employees must apply and qualify for the buy-up plan before the coverage can become effective. If this requirement is not met, this plan will not become effective.

To be eligible for coverage, you must be:

• An active employee who is compensated by the Board in accordance with the Board’s general practices.
• • Full-time Employment: at least 25 hours weekly
  • Part-time (B,E,F,L) Employment: at least 10 hours weekly
  • A citizen or resident of the United States

  Temporary and seasonal employees, leased employees and independent contractors are not eligible.

To become insured you must:

• Meet the eligibility requirements listed above
• Serve an eligibility waiting period,*
• Apply for coverage and agree to pay premiums
• Receive medical underwriting approval (if applicable)
• Be actively at work (able to perform all normal duties of your job) on the day before the scheduled effective date of insurance

* If you are already a member on the group policy effective date, you are eligible on that date. If you become a member after the group policy effective date, your Base coverage becomes effective after you have met your 90-day waiting period and your Buy-up coverage becomes effective on the first day of the calendar month following the first payroll deduction as a member.

If you are not actively at work on the day before the scheduled effective date of insurance, your insurance will not become effective until the day after you complete one full day of active work as an eligible employee.

All late applications (applying 31 days after becoming eligible), requests for coverage increases (including requests to insure predisability earnings that are greater than the last amount for which evidence of insurability was required), amounts over the guarantee issue amount and reinstatements are subject to medical underwriting approval. Employees eligible but not insured under the prior short term disability insurance plan are also subject to medical underwriting approval. Please contact your human resources representative or plan administrator for more information regarding the requirements that must be satisfied for your insurance to become effective.

You are disabled if you meet either of the following definitions:

• You are disabled if, as a result of physical disease, injury, pregnancy, or mental disorder you are unable to perform with reasonable continuity the material duties of your own occupation; or
• You are partially disabled when you work for your employer but, as a result of physical disease, injury, pregnancy, or mental disorder are unable to earn more than 80% of your Predisability Earnings.