Disability Options
Employees may choose long-term and short-term disability income coverage. Premiums vary
depending upon the employee's salary and are payroll deducted. The following are the Disability Options offered by SCC:
Short-term Disability
Provided by the Gabor Agency
| Pretax (Flex Plan) | No |
| Coverages | 2/3 of employee's monthly base salary up to $6,000. |
| Premium per month | Employee:$.37 per $100.00 of
employee's monthly base salary |
| Comment | Monthly benefit is paid only from the 31st day through the 90th day of disability; maximum payable for each disability is 60 days, although disability payment is
generally not received for at least an additional 30 to 45 days. |
Long-term Disability
Provided by Unum Provident.
| Pretax (Flex Plan) | No |
| Coverage | 2/3 of employee's monthly base salary up to $6,000.
If you are a faculty member, only your academic year contract salary is included
in determining contract benefits and premium. |
| Premium per month | Age Bands | Rates Per $100 of Covered Salary |
| Less than 25 | .17 |
| 25 - 29 | .21 |
| 30 - 34 | .34 |
| 35 - 39 | .48 |
| 40 - 44 | .69 |
| 45 - 49 | .98 |
| 50 - 54 | 1.35 |
| 55 - 59 | 1.55 |
| 60 - 64 | 1.65 |
| 65 - 69 | 1.75 |
| 70 and over | 2.58 |
| Comment | Benefits begin on the 91st day after a continuous period of total disability, although disability payment is generally not received for at
least an additional 30 to 45 days. |
