Effective July 1, 2009
Disability Insurance
A. Virginia Sickness and Disability Program
Benefits |
You were hired before July 1, 2009 |
Sick Leave |
You receive sick leave of 20-80 hours per year, based on your total months of full-time or part-time salaried state employment. |
Family and Personal Leave |
You receive family and personal leave of 16-40 hours per year, based on your total months of full-time or part-time salaried state employment. |
Short-Term Disability |
You are covered for short-term disability benefits from your first day of employment, whether work-related or non-work related. After a seven-calendar day waiting period, your income replacement begins at 100% of pre-disability
Income, reducing to 80% and then 60%, for up to 125 workdays. |
Long-Term Disability |
You are covered for long-term disability benefits after the expiration of the maximum period of short-term disability. Your income replacement is 60% of pre-disability income, increased to 80% for catastrophic conditions. |
Long-Term Care |
You are covered for up to $96 a day for licensed nursing home care, assisted living facility care, at-home services and community-based care, up to a maximum lifetime benefit of $70,080. |
Benefits |
You were hired or re-hired on or after
July 1, 2009 |
Sick Leave |
You receive sick leave of 20-80 hours per year, based on your total months of full-time or part-time salaried state employment. |
Family and Personal Leave |
You receive family and personal leave of 16-40 hours per year, based on your total months of full-time or part-time salaried state employment. |
Short-Term Disability |
You are covered for work-related disabilities from your first day of employment. You are covered for non-work related disabilities after one year of continuous employment. After a seven-calendar-day waiting period, your income replacement is 60% of pre-disability income. After five years of continuous employment, your income replacement begins at 100% of pre-disability income, reducing to 80% and then 60%, for up to 125 workdays. |
Long-Term Disability |
You are covered for non-work related long-term disability benefits after one year of continuous employment. Your income replacement is 60% of predisability income. After five continuous years of employment, income replacement increases from 60% to 80% for catastrophic conditions. |
Long-Term Care |
You are covered for up to $96 a day for licensed nursing home care, assisted living facility care, at-home services and community-based care, up to a maximum lifetime benefit of $70,080. |
Days of Income Replacement
If your claim is approved by Unum, income replacement begins on the eighth calendar day from your date of disability. If your disability is work-related, you are covered from the date your Workers’ Compensation claim is approved. The income replacement level you receive for a non-work related disability depends on the date you were hired.
If You Were Hired Before July 1, 2009
You are eligible for income replacement starting at 100 percent of the salary you are earning at the time you become disabled. This reduces to 80 percent and then 60 percent during the course of your disability, as shown in the chart below:
Days of Income Replacement – Non-Work Related Disabilities
Date of Hire before July 1, 2009 |
Months of Career State Service |
Workdays of Income Replacement at 100% |
Workdays of Income Replacement at 80% |
Workdays of Income Replacement at 60% |
Less than 60 |
5 |
20 |
100 |
60-119 |
25 |
25 |
75 |
120-179 |
25 |
50 |
50 |
180 or more |
25 |
75 |
25 |
If You Were Hired or Re-hired on or after July 1, 2009:
You become eligible for these benefits after one year of continuous employment. At that time, income replacement begins at 60 percent of the salary you were earning at the time you became disabled, for up to 125 workdays. After five years of continuous employment, income replacement starts at 100 percent of the salary you were earning at the time you became disabled. This reduces to 80 percent and then 60 percent during the course of your disability, as shown in the chart below:
Days of Income Replacement – Non-Work Related Disabilities
Date of Hire or Re-hire on or after July 1, 2009 |
Months of Career State Service |
Workdays of Income Replacement at 100% |
Workdays of Income Replacement at 80% |
Workdays of Income Replacement at 60% |
Less than 12 |
0 |
0 |
0 |
13-59 |
0 |
0 |
125 |
60-119 |
25 |
25 |
75 |
120-179 |
25 |
50 |
50 |
180 or more |
25 |
75 |
25 |
Once an individual enters long term disability they are separated from university service. If at a later date an individual is cleared from long term disability and wishes to return to service with the university, they must apply for a position through the normal competitive hiring process.
This program is at no cost to employees. The Commonwealth of Virginia has contracted the management of this program to a third party administrator, UNUM Life Insurance Company of America. For information on UNUM . call toll-free (800) 652-5602, visit the VRS website at http://www.varetire.org or contact the UHR Benefits Division for more detailed information.
B. Disability Insurance for VRS Participants
The Virginia Retirement System provides income replacement benefits through disability retirement.VRS members are eligible for disability retirement if the following conditions apply: the member becomes mentally or physically unable to perform present duties and the disability is likely to be permanent. Regular disability benefits are based upon the average annual salary paid during the highest 36 consecutive months of credited service.
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