In the right place? If you have a work-related injury, refer to Workers' Compensation.

Being out of work due to an accident or illness can cause financial hardship. Short-term disability and supplemental disability provide income protection. Making sure you have sufficient disability insurance is an important part of financial planning.

Types of coverage:

• Short-Term Disability provides short-term benefits for disabilities due to pregnancy, disabling injury, or illness. You must be under a doctor's direct and continuous care. The plan pays 55% of your eligible earnings, up to $800 a month for up to six months. If covered by short-term disability only, the waiting period is seven days. UC pays the cost of the plan.
  
  
  • Enrollment: If you are in a full benefits position, enrollment in Short-term disability is automatic.
 
• Supplemental Disability pays benefits for disabilities due to pregnancy, disabling injury, or illness. You must be under a doctor's direct and continuous care. Benefits from short-term disability and supplemental disability combined with all other source of disability or retirement income pay 70% of eligible earnings for up to $10,000 a month, for up to 12 months of temporary disability. You choose the waiting period of 7, 30, 90, or 180 days. You must use a specified number of available sick days before benefits begin. You pay the cost of the plan.
  
  
  • Enrollment: Supplemental disability requires enrollment and must be within the 31-day Period of Initial Eligibility (PIE) of a full benefit appointment.
  • Enrollment outside the PIE:
    • Request an Evidence of Insurability form or call (858) 534-2817.
    • Complete Evidence of Insurability form and mail to Liberty Mutual.
    • Liberty Mutual will review then approve or decline request.
    • If approved, enrollment process and form will be provided by the Benefits Office.

To file a claim, contact the disability benefits coordinator at (858) 822-1650. The disability benefits coordinator will provide paperwork for you and your physician's statement.

For more information, read about disability and pregnancy or contact the disability benefits coordinator, (858) 822-1650.