Short Term Disability

You may choose to enroll for short-term disability (STD) coverage. This coverage replaces 60% of your basic earnings if you are unable to work due to an illness or injury, after you have been disabled for 7, 14 or 30 days, based on your election. Benefits can continue as long as you remain disabled, up to a maximum of 90 days. There is a maximum benefit of $8,000 per month. This benefit is offset by other sources of income, such as state disability income.

If you work in a state with a mandatory state disability plan (CA, HI, NJ, NY, RI or PR), it is important that you review the state disability plan before making a decision to enroll in the ACS STD plan. For example, if the state disability plan pays more than the ACS STD plan, no benefits are paid by the ACS STD plan.

Benefits are subject to pre-existing condition limitations. A pre-existing condition is any condition for which you receive medical advice or treatment during the six months before coverage begins. No benefits are paid for pre-existing conditions, including pregnancy, until you have been covered for 12 months.

Your cost for STD coverage is based on the option you choose, your earnings and the state in which you work, and is deducted from the first two paychecks of each month on an after-tax basis.

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Questions about your employee benefits or other Human Resources issues? Contact the Workplace Solutions Center at (888) 471-2271.