Disability Insurance

Short-Term Disability (STD) Insurance Plans

All California employees, except student employees, are required to participate in a state disability plan. USF employees are automatically enrolled in USF’s Voluntary Disability Insurance (VDI) Plan but can elect State Disability Insurance (SDI) if preferred. The differences between these plans are outlined below.

Voluntary Disability Insurance (VDI) Plan

From their date of hire, USF employees are automatically enrolled in USF’s California state-approved private Voluntary Disability Insurance (VDI) Plan, which is a partial wage-replacement insurance plan, for short-term disability. Faculty and staff contribute through a required payroll deduction. To be eligible for benefits, medical certification is required. There is a seven-day waiting period before benefits pay. The plan pays approximately 60% of your current earnings, up to a maximum of $1,252 per week.

California State Disability Insurance (SDI) Plan

The Disability Insurance Branch of the California Employment Development Department (EDD) administers the state’s disability insurance plan. State Disability Insurance (SDI) is a partial wage-replacement insurance plan for California workers.

Plan Comparisons

CA State Disability Insurance (SDI) USF Voluntary Disability Insurance (VDI)
Administered by the State of California Administered by USF via TRISTAR
Payroll deduction of 1% of salary
(max $1,183.71 per year)
Payroll deduction of 1% of salary
(max $1,183.71 per year)
Pays ~60% of salary up to a maximum of $1,252 per week Pays ~60% of salary up to a maximum of $1,252 per week
Benefit rate based on earnings over the past 18 months Benefit rate based on current earnings
Benefit duration up to 52 weeks Benefit duration up to 52 weeks


For more information, refer to the voluntary disability documents posted on the benefits compliance information web page.

 

Requesting Short-Term Disability Leave

 

To request short-term disability or paid family leave, please initiate your request in USFWorks or contact the leave manager at leaves@usfca.edu and complete a Leave of Absence Request (LOA) form, which is available on the HR Forms web page.

Returning from Short-Term Disability Leave

Prior to your return to work, after your leave of absence due to your own serious medical condition, USF requires that you present a Return to Work medical certification confirming your fitness for duty. Medical certification should be received no later than 5 days before your scheduled return to work date.

Long-Term Disability (LTD) Insurance Plan

From their date of hire, eligible faculty and staff are automatically enrolled in an LTD plan, which is paid for by USF and provided by CIGNA.

Waiting Period 90 days from the date of hire for benefits qualification
Plan Pays 60% of your basic monthly earnings to a maximum of $12,000/month
When Benefits End

The earlier of the following:
*You are no longer disabled
*You reach the maximum benefit
*You reach Social Security Normal Retirement Age (SSNRA)

Definition of Disability

If, solely because of Injury or Sickness, you are:
1. Unable to perform the material duties of your Regular Occupation; and
2. Unable to earn 80% or more of your Indexed Earnings from working in your Regular Occupation

After Disability Benefits have been payable for 24 months: If, solely because of Injury or Sickness, you are:
1. Unable to perform the material duties of any occupation for which you are, or may reasonably become, qualified based on education, training, or experience; and
2. Unable to earn 60% or more of your Indexed Earnings