Disability/Long-Term Care

Long-Term Care

A base policy, paid 100% by the Library, which includes a $1,000 facility monthly benefit for 3 years, after a 90-day elimination period, to a lifetime maximum benefit of $36,000. A 6-month pre-existing condition provision applies. A buy-up option is available for employees and eligible family members. The cost of the buy-up option is paid for by the employee. There are guaranteed issue amounts offered through the buy-up option for the employee the first time they become eligible. Guaranteed issue beyond the company paid policy is not offered at a later date. Employees will be given the opportunity to enroll when they are newly eligible. They are welcome to apply for buy-up options any time during employment and can access documents through the link below.

Long-Term Care Enrollment (click here for additional information)

Long-Term Disability

This policy provides up to 60% of lost income up to a max of $6,000 per month (coordinated with other disability sources of income) for absence due to illness or injury. This benefit will provide partial income from the 91st day of illness or injury through the recovery date or age 65. This benefit is also paid 100% by the Library.

Short-Term Disability

Full-time employees are eligible to elect short-term disability insurance. This benefit is optional and the employee can choose a minimum election of $100 weekly disability payments up to up to 65% of their basic weekly earnings (maximum weekly election of $1,500). This policy will pay the elected amount for absence due to illness or injury for up to 90 days. The employee must be unable to work for more than 2 weeks before they can start using this benefit.

The employee will be required to use accrued leave concurrently with this benefit meaning both paid leave and short-term disability will pay simultaneously assuming the employee has accrued leave. This benefit is paid 100% by the employee. Opportunity to enroll and guarantee issue will be provided when an employee is newly eligible. The employee will also be able to enroll or disenroll during open enrollment although they may be subject to evidence of insurability.

To file a claim, first notify HUM as this will expedite the claims process. There are several options for filing a claim with Unum. Please reference the How to File a Claim Form in the list of documents below.

If you think you may need to submit a claim for any of the policies listed above, please reach out to Mandie Fischer, Benefits Manager, at 405-606-3741 or [email protected].

Updated 10/20/2022