Base coverage:

Full-time Employees: Base coverage provided by Miami-Dade County Public Schools at no cost to you 60 percent of your eligible earnings, up to a maximum benefit of $500 per week.  Plan minimum $25 per week.

Part-time (B,E,F,L) Employees:  Base coverage you can purchase, paid for by you 60 percent of your eligible earnings, up to a maximum benefit of $500 per week.  Plan minimum $25 per week.

Buy-up coverage:

Full-time Employees: Buy-up coverage you can purchase, paid for by you 60 percent of your eligible earnings, up to a maximum benefit of $1000 per week.  Plan minimum $25 per week.

Part-time (B,E,F,L) Employees: Buy-up coverage not available.

Base coverage provided by Miami-Dade County Public Schools at no cost to you

• 30 days for accidental injury
• 30 days for physical disease, pregnancy or mental disorder

Buy-up coverage you can purchase, paid for by you

• 15 days for accidental injury
• 15 days for physical disease, pregnancy or mental disorder

Part-time employees

• May enroll in either 15 day or 30 benefit waiting period plan

Base coverage provided by Miami-Dade County Public Schools at no cost to you

22 weeks

Buy-up coverage you can purchase, paid for by you

24 weeks

Part-time Employees

Your maximum benefit period is 22 for the 30 day plan or 24 weeks for the 15 day plan

Requests for coverage increases require that you answer health questions. Complete a medical history statement for approval online at www.standard.com/mhs.

Return to Work Incentive

Your disability benefit will not be reduced by any work earnings you receive until the combined amount of the benefit, earnings and [other sources of deductible income] exceeds 100 percent of your pre-disability earnings.

Help With Returning To Work

If a worksite modification would enable you to return to work, we can help your employer make approved modifications by covering some or all of the cost.

As you consider Short Term Disability insurance, think about the expenses you would need to cover if you became disabled:

• Housing costs
• Utilities
• Groceries
• Medical bills
• Car insurance
• Child care costs

Your employer provides you with a basic level of disability insurance. Will that be enough for you? If not, you have the option to enroll in an enhanced level of disability insurance.

To estimate your insurance needs, you’ll need to consider your unique circumstances. Use our online calculator at www.standard.com/disability/needs.

Your base policy is paid for by Miami-Dade County Public Schools and costs you nothing. If you choose to purchase buy-up coverage, you’ll have access to competitive group rates that may be more affordable than those available through individual insurance. You’ll also have the convenience of having your premium deducted directly from your paycheck.

Note: If you elect the Buy-up Short Term Disability coverage,

your monthly rate is $0.097 per $10 of weekly benefit.

To estimate your monthly premium use the calculator below.

Subject to state variations, you are not covered for a disability caused or contributed to by any of the following:

• Your committing or attempting to commit an assault or felony, or your active participation in a violent disorder or riot
• An intentionally self-inflicted injury, while sane or insane
• War or any act of war (declared or undeclared, and any substantial armed conflict between organized forces of a military nature)
• The loss of your professional or occupational license or certification
• An activity arising out of or in the course of any employment for wage or profit

Short Term Disability benefits are not payable for any period when you are:

• Not under the ongoing care of a physician in the appropriate specialty, as determined by The Standard
• Not participating in good faith in a plan, program or course of medical treatment or vocational training or education approved by The Standard, unless your disability prevents you from participating
• Confined for any reason in a penal or correctional institution
• Able to work and earn at least 20 percent of your predisability earnings in your own occupation but you elect not to
• Eligible to receive benefits for your disability under a workers’ compensation law or similar law

Your Short Term Disability benefits end automatically on the date any of the following occur:

• You are no longer disabled
• You maximum benefit period ends
• Benefits become payable under any other disability insurance plan under which you become insured through employment during a period of temporary recovery
• You fail to provide proof of continued disability and entitlement to benefits
• You pass away

Your benefits will be reduced if you have deductible income, which is income you receive or are eligible to receive while receiving Short Term Disability benefits. Deductible income includes:

• Amounts under unemployment compensation law or similar law
• Amounts because of your disability from any other group insurance
• Amounts under any state disability income benefit law or similar law
• Earnings from work activity while you are disabled, plus the earnings you could receive if you work as much as your disability allows
• Earnings or compensation included in your predisability earnings which you receive or are eligible to receive while Short Term Disability benefits are payable
• Amounts due from or on behalf of a third party because of your disability, whether by judgment, settlement or other method
• Any amount you receive by compromise, settlement or other method as a result of a claim for any of the above

Your insurance ends automatically when any of the following occur:

• The date the last period ends for which a premium was paid
• The date your employment terminates
• The date the group policy (or your employer’s coverage under the group policy) terminates
• The date you cease to meet the eligibility requirements (insurance may continue for limited periods under certain circumstances)
• The date Miami-Dade County Public Schools ends participation in the group policy