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K-State Today

April 27, 2017



Teachers and Employees Association offers short-term disability insurance

By Human Capital Services - Benefits

Only a few remain to enroll in the Teachers and Employees Association benefits. 

The Teachers and Employees Association board of directors, in cooperation with Hartford Life and Accident Insurance Company "The Hartford" and Human Capital Services, is offering an open enrollment for benefits through May 5. Benefits offered include short-term disability, accidental death and dismemberment, and voluntary life insurance. 

These offered insurances can help you protect your family's income and are an important part of maintaining your financial wellness. This article focuses on short-term disability insurance and The Hartford's DisabilityFLEX insurance.

DisabilityFLEX insurance helps protect your income. If you are unable to work because of pregnancy, illness or injury, it replaces a portion of your pay to help you maintain your financial independence. This insurance can help you continue to pay the bills when you cannot work due to a covered claim.

Did you know?

• One in four of today's 20-year-olds will become disabled before reaching age 67, as per the Council for Disability Awareness. 

• According to the 2016 Disability Statistics Annual Report, of the U.S. population with disabilities, more than half (51.1 percent) were people in the working ages of 18-64, while 41.2 percent were age 65 and older.

• K-State provides a long-term disability policy for employees. This benefit has a six-month waiting period and is available to all benefit-eligible employees. 

Applying for short-term disability during this open enrollment period provides you with up to $1,000 per week in DisabilityFLEX insurance coverage without having to provide evidence of insurability. Review your current situation and personal needs, and then determine the right amount of coverage for you and your family. Premiums are paid through payroll deductions, and all enrollments will be done through The Hartford's website.

Plan details: You can enroll up to these amounts without having to provide evidence of insurability, and you choose the benefit amount and waiting period that works best for you:

  • Flat weekly benefit amount: Choose from $200 to $1,000 in increments of $100 — up to 60 percent of your regular weekly earnings.
  • Waiting period: You choose for benefits to begin after eight days, 15 days, or 30 days after a covered illness/injury. Your benefits are payable for up to 26 weeks. 
  • The short-term disability policy is guaranteed acceptance, but does contain a pre-existing condition limitation. Please refer to the certificate for more information on exclusions and limitations, such as pre-existing conditions.

Enroll through The Hartford's website. Questions? Contact your benefits team at benefits@k-state.edu

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