Description of Benefits
The benefit covers 60 percent of your insured earnings. For short-term disability, the insured earnings amount is based on your weekly earnings in effect on your last full day of work. When your insured earnings increase (for example, with a pay increase), your premium rate increases. Insured earnings do not include overtime pay, bonuses, or dollars received when you opt out of medical coverage.
The maximum of insured earnings for short-term disability insurance is limited to $2,769.
- The maximum weekly benefit is $1,662 before reduction of deductible income.
- The minimum weekly benefit is $25 per week following reduction of deductible income.
- The benefit if you are disabled less than one week is one-seventh of the weekly benefit for each day you are disabled.
Deductible income means other income you are eligible to receive because of your disability. This includes:
Duration of Benefit
- A portion of your earnings from work while disabled
- Sick leave or other salary continuation, including donated leave (but not vacation or personal business leave)
- A portion of the benefits you are eligible to receive under any other group disability program. This includes state disability income benefits from the Public Employees Retirement System
- Workers’ compensation benefits
- Social Security benefits payable to you and your dependents
- For members employed by the Oregon University System, benefits you are eligible to receive under any employer-sponsored individual disability policy arranged for individuals in a common group
The maximum duration of the benefit is
- 4 weeks if the disability is caused by a pre-existing condition
- 13 weeks if the disability is not caused by a pre-existing condition