Short-Term Disability Plan
It's reassuring to know that you can protect a portion of your income when illness or injury prevents you from working.
Employees must meet the eligibility requirements specified in their Memorandum of Understanding (MOU), Exempt Compensation Plan, contract or salary ordinance.
Coverage under the plan is automatic.
How the Plan Works
The County provides you with Short-Term Disability (STD) benefits in the event of a non-work related illness or injury that requires you to be off work more than seven consecutive days.
After you satisfy a waiting period of …
You will generally receive a normal weekly benefit equal to …
7 consecutive calendar days
55% of your normal weekly earnings, not to exceed established amounts
Your normal weekly benefit may be reduced if you receive or are entitled to receive other disability payments, as explained below.
Integration of Benefits
Click here to access the STD calculator.
Plan benefit payments may be fully or partially integrated with other paid time including, but not limited to:
- Sick leave
- Vacation leave
- Holiday leave
- Regular work hours
You may not receive more than 100% of your normal weekly earnings.
If you elect …
All benefits and accruals will …
To fully integrate plan benefit payments with other paid time
Apply as if you were receiving your full regular pay
Not to fully integrate plan benefit payments with other paid time (or you are not eligible to do so)
Take into account only paid time recorded
You may also elect not to integrate any other paid time with plan benefits. All benefits and accruals will be administered in accordance with the applicable MOU, contract, or salary ordinance.
State Disability Insurance (SDI)
The STD Plan replaces State Disability Insurance (SDI). However, you may be eligible to receive SDI benefits if you meet either of the following conditions:
- You participated in SDI at any time within the 18 months immediately prior to enrollment in the STD Plan
- You have a second job that participates in SDI
If you are covered under SDI, you must apply for SDI benefits and provide a copy of the SDI determination letter to Cigna, the County's disability provider. The STD benefit will be reduced by the amount of the SDI benefit you are eligible for or currently receiving. If the SDI benefit amount is greater than the allowable STD benefit amount, no STD benefits will be paid.
Filing a Claim
Here's what you need to do:
- If possible, let your supervisor know about your leave 30 days in advance.
- No later than your fourth day of absence, contact your department payroll specialist to obtain County required paperwork and start the claim process through Cigna.
- Call Cigna, the County's disability provider, at 1-800-238-5834 (press option #2) from 5 a.m. - 7 p.m. PST, Monday – Friday, or file online at www.myCigna.com.
- You must complete and submit a STD and FMLA Filing a Request Instructions and Form, which includes:
- Cigna Brochure
- Request for Extended Sick & Special Leave (RESSL)
- Leave Integration Request
You can obtain an STD and FMLA Packet from your department payroll specialist.
When Coverage Ends
Your insurance will terminate on the earliest of:
If You Have Questions
- The date the Group Insurance Policy terminates
- The date the Group Insurance Policy no longer insures your class
- The date premium payment is due but not paid by the employer
- The date on which you cease to be an active full-time employee in an eligible class
If you have any questions, please call:
Employee Benefits and Services Division at 1-909-387-5787
Your Payroll Specialist
Cigna at 1-800-238-5834 (press option #2).
For more information about the Short Term Disability program, review the plan documents for the following groups: