Voluntary Benefits

Cleveland State University offers voluntary Individual Short-Term Disability Insurance and Voluntary Accident Insurance through Unum.

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 contributions 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.

Baby girl sitting on smiling mother with disability in wheelchair at home

How to Enroll/Waive Coverage

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. Enroll in Voluntary Short-Term Disability and Accident Insurance by visiting www.unum.com/employees.

Enrollment Period

You may be eligible to enroll in these voluntary benefits during the first 31 days following your hire date, after a change to an eligible full-time or part-time position and during the annual benefits open enrollment period (which usually takes place in the spring of each year).