The premium for these products is not subsidized by the University. Faculty and staff enrolled in these voluntary insurance options will pay the premium through payroll deduction on an after-tax basis.

• Individual Short-Term Disability Insurance can help you replace a portion of your income if you are unable to work due to a covered injury or illness. This coverage may appeal to an employee who does not have much accumulated paid time off (accrued sick time, vacation or compensation time, as applicable) through the University. Individual Short-Term Disability Insurance provides income during the first 90 days of a non-work-related disability. Age limitations may apply to enrollment eligibility.
• Voluntary Accident Insurance provides a way for you to offset out-of-pocket medical expenses for a covered injury or illnesses. Coverage is also available for your spouse and/or eligible dependent children, up to age 26.

How to Enroll/Waive Coverage

Access to view coverage options, enroll in a plan(s) or waive coverage must be made through Unum’s enrollment site when you are newly hired or during Open Enrollment.

Policy rates, details of the voluntary insurance benefits, and pre-existing condition exclusions/limitations are available on Unum’s enrollment site and applied on an individual basis.

Enrollment Period

During the first 31 days following your hire date or a change to an eligible full-time or part-time position and during annual benefits open enrollment, you may be eligible to enroll in the voluntary insurance plan based on plan limitations.