Disability

Summary
Best Features
Enrollment Opportunities
Eligibility
Resources
Contact Information

Summary

All benefits-eligible employees may participate in the two disability plans, short-term disability and long-term disability, provided by Dearborn Life. These plans provide income protection while you are unable to work due to an illness or injury.

Short-Term Disability

With an approved claim, you can receive 60% of your weekly earnings after a 14-day waiting period or until all of your Extended Illness Bank is exhausted, whichever is longer. The maximum payment is $693 per week, for a maximum period of 22 weeks. See UT System Short Term Disability for details.

Long-Term Disability

With an approved claim, you can receive 60% of your monthly after a 90-day waiting period or until all of your Extended Illness Bank is exhausted, whichever is longer. The maximum payment is $12,025 per month, and period of pay depends on your age and disability. See UT System Long Term Disability for details.

Reduced Paid Leave

MD Anderson also offers a third plan called Reduced Paid Leave that provides both income and job protection to qualified employees. To find out more about this plan, MD Anderson employees may access the Leave Guide from the internal website.

Best Features

Offers financial security
High maximum benefit (Long Term Disability)

Enrollment Opportunities

Based on federal law, employees may make changes to their benefits only at the times specified below.

At Hire

Within 31 days of hire, benefits eligible employees may add or change benefits.

At Annual Enrollment

Benefits eligible employees may make any changes to their benefits once a year, without a change of status during annual enrollment, which occurs each July.

Family Status Change

Certain events in your family or changes in your dependent’s employment or coverage may enable you to make changes to your benefits outside of annual enrollment. These events, known as Family Status Changes or qualifying events, allow changes to benefits that are consistent the event. (Ex: add medical coverage to your newborn child.)

Benefit changes and supporting documentation must be received by myHR within 31 days of the event. Learn more about these qualifying events.

Eligibility

Full and Part-time Employees

Both full and part-time employees pay the same amount for vision coverage. As a result, you and your dependents are eligible for disability coverage if:

You work at least 20 hours per week, and
Your appointment is expected to continue for at least 4 ½ months, and
You are not currently covered by another state-sponsored medical insurance plan.

Dependents & Required Documentation

Only employees are allowed to enroll in the short and long-term disability insurance plans. Dependents are not covered under these two plans.

Evidence of Insurability

Evidence of Insurability (EOI) is the record of a person's past and current health events and is used by insurance companies to verify whether a person can be approved for coverage. See Evidence of Insurability to determine when EOI is required for adding short or long term disability coverage.