1. UCSB Disability Services
Open Enrollment for 2017
Disability Insurance Workshop
Opening Slide
October 27 to November 22 at 5pm
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

2. UCSB Disability Services
Today’s Discussion
Open Enrollment Opportunity!
What is Disability Insurance?
Who is eligible to enroll?
Disability Insurance Plans at UC
Considerations when choosing plans
Examples
How to enroll
Questions?
General session; applies to academic and staff employees, does not apply to those in a postdoctoral scholar title
Specific session for faculty and academic appointees who are eligible for academic paid medical leave 2
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

3. UCSB Disability Services
Available during Open Enrollment!
Special one-time opportunity to sign up
October 27th through November 22nd at 5pm
Coverage is effective 2017 3
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

4. UCSB Disability Services
What is Disability Insurance?
Provides partial wage replacement when you are unable to work due to pregnancy, illness or injury
Another layer of “paycheck protection” after your sick leave (and vacation/comp time accruals, if elected) or Academic Paid Medical Leave
Separate Workers’ Compensation Insurance
Sick leave/Academic paid medical leave
Workers’ compensation
Only covers you as the employee 4
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

5. UCSB Disability Services
Who is eligible to enroll?
NEW for 2017!
All employees who are eligible for Full, Mid-level and Core benefits packages may enroll in Disability Insurance during Open Enrollment
Postdoctoral Scholars:
Those employed in a Postdoctoral Scholar title (Employee-3252, Fellow or Paid Direct-3254) are eligible for Postdoctoral Scholar Disability Insurance. See: garnett-powers.com/postdoc/ 5
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

6. UCSB Disability Services
Disability Insurance Plans for 2017
UC Paid Basic Disability
55% of your eligible monthly earnings, to a maximum of $800/month for up to 6 months-- 14 calendar day waiting period*
Voluntary Short-Term Disability
60% of your eligible monthly earnings, to a maximum of $15,000/month for 6 months-- 14 calendar day waiting period*
Voluntary Long-Term Disability
60% of your eligible monthly earnings, to a maximum of $15,000/month -- 6 month waiting period
*Must use 22 days of sick leave if you have it 6
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

7. UCSB Disability Services
Summary of Plans
Plan Feature
Basic Disability
Voluntary Short- Term Disability
Voluntary Long-
Term Disability
Eligibility
Full, mid-level and core
Enrollment
Automatic
Optional
Waiting Period
14 days*
6 months**
Benefit Percentage
55% to a maximum of $800/month
60% to a maximum of $15,000/month
60% to a maximum
of $15,000/month
Duration
24 weeks
Social Security Normal Retirement Age
Definition of Disability
Own Job
24 month own occupation; then any occupation
*Basic & VSTD--Must use 22 days of sick leave, if you have it
**VLTD—After Basic, VSTD or sick leave (if exceeds 6 months)
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

8. Choice of Disability Insurance Coverage
UCSB Disability Services
Choice of Disability Insurance Coverage 1
Basic Disability only 2
Voluntary Short-Term 3
Basic Disability
Voluntary Long-Term 4
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

9. UCSB Disability Services
Considerations when choosing plans
UC employees do not pay into CA State Disability Insurance*
The only plans available to UC employees are the Basic, Voluntary Short-Term and Voluntary Long- Term Disability Insurance
*If you have worked for UC for less than 18 months you may have residual SDI benefits from prior employment or concurrent employment 9
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

10. UCSB Disability Services
Considerations when choosing plans
Do you have very little sick leave or do you have a lot of sick leave? Do you have Academic Paid Medical Leave?
Can you live on $800/month, if needed?
Are you planning on becoming pregnant?
Do you have a long-term chronic medical condition?
Are you planning to retire soon?
Do you have a savings cushion?
Do you have a lot of non-negotiable monthly expenses?
If retiring in 6 months & retirement equals 60% may not need long term
Critical piece of your financial planning tool
Tailor coverage for what you need 10
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

11. UCSB Disability Services
Example- Uncomplicated Pregnancy
An employee who accrues sick leave is having an uncomplicated Pregnancy and Delivery (she is off work 2 weeks prior to her due date and 6 weeks pp). She is enrolled in Voluntary Short-Term Disability and has 5 sick days accrued.
2 weeks prior to your due date and 6 weeks pp or 8 if c-section
14 calendar day waiting period 11
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

12. UCSB Disability Services
Example- Car Accident
An employee who accrues sick leave was in a serious car accident and, as a result of their injuries, they are unable to work for three months (12 weeks). They earn $50,000 a year ($4167/month), have Basic Disability only and 15 sick days accrued.
15 days of sick time even though 14 calendar day waiting period
How much are you going to get for
Basic Disability Benefit = $800/month maximum 12
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

13. UCSB Disability Services
Example- Car Accident
The same employee who accrues sick leave was in a serious car accident and, as a result of their injuries, they are unable to work for three months (12 weeks). They earn $50,000 a year ($4167/month), enrolled in Voluntary Short- Term Disability and have 45 sick days accrued.
Voluntary Short- Term Disability Benefit = 60% of eligible monthly earnings  $2500/month 13
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

14. UCSB Disability Services
Example- Long term illness
The same employee who accrues sick leave has been diagnosed with a serious form of cancer and their treatment prevents them from working for the next 18 months. They earn $50,000 a year ($4167/month), enrolled in the Voluntary Short-Term and Voluntary Long-Term Disability Insurance and have 10 sick days accrued.
Voluntary Short- Term AND Voluntary Long- Term Disability Benefit = 60% of eligible monthly earnings  $2500/month 14
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

15. UCSB Disability Services
Example- Faculty* Car Accident
A Faculty member hired 7/1/10 was in a serious car accident and, as a result of their injuries, they are unable to work for three months (12 weeks). They have Academic Paid Medical Leave and enrolled in Voluntary Long-Term Disability Insurance.
*Includes academic appointees eligible for Academic Paid Medical Leave under APM 710 15
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

16. UCSB Disability Services
Example- Faculty* Long-Term Illness
A Faculty member hired 7/1/05 has been diagnosed with a serious form of cancer and their treatment prevents them from working for the next 18 months. They have not taken any Academic Paid Medical Leave and have enrolled in the Voluntary Long-Term Disability Insurance.
*Includes academic appointees eligible for Academic Paid Medical Leave under APM 710 16
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

17. Voluntary Disability Plan Premiums
UCSB Disability Services
Voluntary Disability Plan Premiums
Premium costs depend on a variety of factors including:
Age
Salary
Date of hire/retirement tier
Level of coverage (short-term, long-term or both)
See premium estimator on UCnet:
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

18. 2016 Premium Estimator on UCnet
UCSB Disability Services
2016 Premium Estimator on UCnet
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

19. 2017 Premium Estimator on UCnet
UCSB Disability Services
2017 Premium Estimator on UCnet
Full-time annual salary is
hourly rate x 2088 hours
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

20. Sample 2017 Monthly Premium Rates
UCSB Disability Services
Sample 2017 Monthly Premium Rates
Example: A 34-year old employee hired on 8/1/13 with $50K annual salary currently purchasing Supplemental Disability with a 7 day waiting period
Same employee if they had a 30 day waiting period
Supplemental Premium*
2017 VSTD Rate
2017 VLTD Rate
Total 2017 Premium
$ Change
$52
$14 $5
$19
-$33
Explain what 2017 Status Quo premium means
Supplemental Premium*
2017 VSTD Rate
2017 VLTD Rate
Total 2017 Premium
$ Change
$19
$14 $5 $0
See the premium estimator on UCnet for an estimate of your premiums.
Above is a general example.
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

21. Sample 2017 Monthly Premium Rates
UCSB Disability Services
Sample 2017 Monthly Premium Rates
Example: 56-year old Staff OR Faculty member hired on 8/1/95 with $125K annual salary currently purchasing Supplemental Disability with 180-day waiting period. The Staff member has 1100 hours of sick leave accrued. The Faculty member has Academic Paid Medical Leave.
See the premium estimator on UCnet for an estimate of your premiums. Above is a general example.
Supplemental Premium*
2017 VSTD Rate
2017 VLTD Rate
Total 2017 Premium
$ Change
$80
Not needed
$55
-$25
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

22. Enrolled in Supplemental Disability?
UCSB Disability Services
Enrolled in Supplemental Disability?
If you are enrolled in Supplemental Disability and do NOT take an action during Open Enrollment, you will automatically be enrolled in the Voluntary Short-Term and Voluntary Long-Term disability coverage.
You may reduce or discontinue coverage at any time, subject to payroll deadlines.
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

23. How to enroll during Open Enrollment
UCSB Disability Services
How to enroll during Open Enrollment
Log on to the Open Enrollment Application on
At Your Service Online.
Select Disability tab, then click on the box(s) for the coverage you wish to enroll in.
Click “Confirm”
If you don’t remember your username or password for AYSO, be sure to click forgot username/password. 3 failed attempts to log in will lock your account. To reset call Benefits or Edna or RASC
Try to address disability choices early in OE so if you have questions there will be time for answers
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

24. How to enroll after Open Enrollment
UCSB Disability Services
How to enroll after Open Enrollment
You will need to submit an Evidence of Insurability/ Statement of Health to the insurance company
You could be denied coverage by the insurance company
When in doubt you can always enroll in comprehensive coverage and reduce later
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

25. UCSB Disability Services
When in doubt you can always enroll in comprehensive coverage and reduce later
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.

26. Still have questions? Need more info?
UCSB Disability Services
Still have questions? Need more info?
See UCnet website: ucnet.universityofcalifornia.edu for more information on 2017 Disability Insurance Options
View the Disability Benefits video on UCnet
Review the Open Enrollment materials
Come to another Disability Workshop
Ask us after the presentation
Thank you for coming!
Note, due to the high volume of workload demands during Open Enrollment our response times may be delayed. We encourage you to review the materials that are available on UCnet and come back to another workshop if you still have questions.
This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see or plan documents for complete information.