Basic Disability

UC provides automatic enrollment in Basic Disability plan at no cost to you. Disability insurance provides coverage if you are unable to work due to a pregnancy/childbirth or non-work-related disabling injury or illness. It pays 55 percent of your eligible earnings, up to a maximum of $800 per month, less taxes. 

• Basic Disability provides benefits for up to 24-weeks.
• 14-day waiting period before you begin receiving benefits.
• You must use up to 22 days of sick leave, if available.

Voluntary Short-Term Disability (VSTD)

The plan provides up to 60 percent of your eligible earnings, to a maximum benefit of $15,000 per month. Voluntary Short-Term Disability income is partially taxable.

• VSTD provides benefits for up to 24-weeks.
• 14-day waiting period before you begin receiving benefits.
• You must use up to 22 days of sick leave, if available.

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.

Voluntary Long-Term Disability (VLTD)

The plan provides up to 60 percent of your eligible earnings, to a maximum benefit of $15,000 per month. Voluntary Long-Term Disability income is generally not taxable.

• You’ll be covered after the VSTD benefit ends or at 26-weeks. 
• Benefit generally continues up until your Social Security retirement age for most ongoing conditions.
• This benefit provides ongoing coverage for disability conditions beyond six months. Employees with a lot of sick leave accrued or academic employees eligible for paid medical leave, may consider only enrolling in the Long-Term Disability benefit. For all other employees, please consider enrolling in both VSTD and VLTD. 

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.