UC Disability Benefits
Your disability benefits provide income to replace lost wages. Every disability is different and the University's benefits are designed to address individual situations and concerns.
UC Paid Basic Disability
The plan provides up to 55 percent of your eligible monthly earnings, to a maximum benefit of $800 per month, for up to six months. You will be covered after a 14-calendar-day waiting period, but you will need to use up to 22 sick days, if available, before benefits begin. UC pays the full cost of coverage, and you are automatically enrolled. Your Basic Disability income is generally taxable.
Types of Disability
|You will be covered after a 14-calendar-day waiting period, but only for up to six months. Per UC Policy, you must exhaust up to 22 business days of sick time if available before disability payments begin.|
|You will be covered after 6 months until your Social Security retirement age for most conditions. This might be a good option for employees with a lot of sick leave accrued, academic employees eligible for paid medical leave, or those who can cover household expenses without much income for up to six months.|
Short and Long Term
|You will be covered after a 14-calendar-day waiting period, until your Social Security retirement age for most conditions. Per UC Policy, you must exhaust up to 22 business days of sick time if available before disability payments begin. Choosing both Voluntary Short and Long-Term Disability provides the most comprehensive coverage for all types of disability leaves.|
In order to use the Premium Estimator, you will be asked to provide the following information:
Premium costs depend on your monthly salary, age and the level of coverage you choose (short-term, long-term or both); estimate your costs here.
Enrollment in Basic Disability Insurance is automatic, as soon as you become eligible. Newly-hired employees are given a 31-day period of initial eligibility (PIE) to enroll in Voluntary Short—and/or Long-Term Disability. Choose the coverage you need during your Period of Initial Eligibility (PIE). Later, you may only enroll by submitting an Evidence of Insurability application (which includes a Statement of Health) to the insurance company. The insurance company will make the determination on your request.
To add a newborn child, the employee must log into the UCPath Portal > Employee Actions > Health and Welfare, Life Events/Beneficiaries to enroll the newborn child or, you may access the Health Benefits Enrollment Form for Life Event at UCPath Portal > Forms Library > Access Forms > Health Benefits Enrollment for Life Event.