Forms
Forms
Customer Service
Benefits, Limitations & Exclusions
Frequently Asked Questions
Return to ERS Home Page


Group Term Life Insurance and Optional Coverages For Active Employees Effective September 1, 1995

Frequently Asked Questions

Short Term Disability (STD)


What is the purpose of enrolling for STD coverage?
Who is eligible to enroll for STD?
What is required to file a STD claim?
When do STD benefits become payable?
What is the time frame for processing my STD claim form?
How long will I receive STD benefits?
What is the deadline to file a STD claim?
What happens if I am receiving other sources of income?
Is pregnancy or childbirth covered under my STD plan?

1. What is the purpose of enrolling for STD coverage?

Short Term Disability provides a source of income in the event that you are totally disabled from performing your own occupation for a specified time period.

return to top


2. Who is eligible to enroll for STD?

Active Employees are eligible to enroll for STD coverage. This coverage is not available for Dependents or Retirees.


return to top


3. What is required to file a STD claim?

Obtain a claim form from your Benefits Coordinator. The Employee's section of the claim form and the Approved Practitioner's section will need to be completed. Once these sections are completed, return the form to your Benefits Coordinator. The Benefits Coordinator will complete the Employer's section and submit the form along with copies of the time records to our office for processing.

return to top


4. When do STD benefits become payable?

If you are Totally Disabled, you may be eligible to receive STD benefits after you have completed the Waiting Period of your sick leave, extended sick leave, and sick leave pool or 30 consecutive days whichever is greater. STD benefits are issued monthly at the end of each 30 day benefit period.

return to top


5. What is the time frame for processing my STD claim form?

Your STD claim will be assigned to an Examiner upon receipt of the completed claim form. The Examiner will review the claim and determine whether the information submitted substantiates your eligibility for STD benefits. The review process could take up to ten calendar days. If it is determined that additional information is required, a request will be issued appropriately.

return to top


6. How long will I receive STD benefits?

The Maximum Benefit Period for receiving STD benefits is five months.

return to top


7. What is the deadline to file a STD claim?

The STD claim form must be submitted to our office within 12 months of the date your Total Disability began.

return to top


8. What happens if I am receiving other sources of income?

STD benefits are reduced by other sources of income to which you may be entitled such as Worker's Compensation, Employees Retirement System or Teacher Retirement System disability retirement benefits, and other group disability benefits. This reduction is called Integration with other sources of income.

The maximum STD benefit payable is 60% of your insured monthly earnings. However, if your STD benefits are Integrated with other sources of income, STD benefits will be 70% of your insured monthly earnings minus other income. The minimum STD benefit payable is 10% of your insured monthly earnings.

return to top

9. Is pregnancy or childbirth covered under my STD plan?

If a participant is totally disabled (as defined in the benefits book) from any covered condition, including pregnancy or childbirth, it is considered to be an illness/sickness covered under your STD plan.

return to top



Return to FAQ

 
 

Online Privacy Statement | Legal Disclaimer | Customer Privacy Notice
Contact Us
© 2007 Fort Dearborn Life Insurance Company. All rights reserved.