How do I enroll in or make changes to disability coverage?
To enroll or move to a shorter waiting period
If you did not enroll in Supplemental Disability when you were first eligible, you may apply to enroll through the Statement of Health process (see below). Your application is subject to review by the insurance carrier and may be approved or denied.
The cost of coverage is based on your age, salary rate and the waiting period you choose. The insurance premium calculator on the At Your Service website can help you calculate the monthly cost for the different waiting periods – click here…
If you are already enrolled in Supplemental Disability and wish to shorten your waiting period, you must also apply through the Statement of Health process, which the carrier can approve or deny.
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Statement of Health (SOH) Process
To initiate the SOH process, complete and submit to the Benefits Office a UPAY 850 form:
Submit the completed form to the campus Benefits Office by mail or fax (530-752-1993).
Upon receipt of a completed UPAY 850 form, the Benefits Office will send you an Evidence of Insurability form for you to complete and submit directly to the disability insurance carrier. After completing their review (generally 4-6 weeks), the carrier will notify you and the Benefits Office of their decision. If your request is approved, the Benefits Office will process the enrollment/change upon receipt of the carrier approval.
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To move to a longer waiting period
If you are already enrolled and wish to move to a longer waiting period, you may do so at any time. Complete and submit to the Benefits Office a UPAY 850 form.
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Section 1: complete all requested information
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Section 2: write "Change waiting period" in Comments
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Section 4 Supplemental Disability: check action box for "Change Waiting Period", and check box for your chosen waiting period.
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Sign and date form
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Please be aware that Supplemental Disability premiums are paid at the end of the month (arrears), so approved changes will generally not appear until the month following the enrollment or change.
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Resources:
Disability Insurance - more detail on the At Your Service website
Insurance Premium Calculator - calculate the monthly cost for the variosu waiting periods
