Disability Income Protection | Voluntary Benefits
Short Term Disability Insurance

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How It Works

This plan provides you with weekly income replacement if you become disabled, as defined in the policy. Short Term Disability (STD) benefits begin after you meet the definition of disability and satisfy a 14-consecutive-day elimination period. Benefit payments are issued in arrears on a weekly basis, and benefits can continue for each period of disability, but not beyond the maximum benefit period of 180 days. The minimum weekly benefit is 25% of your gross disability payment. Under no circumstance will a benefit be payable which exceeds 66⅔% of your weekly earnings.

Note: Coverage levels of The Standard Disability Plans that are offered through Duval County Public Schools are based on your annual salary.

Submitting a claim for STD

A telephonic claims intake service is available on the STD plan. This service eliminates the need to submit a paper claim. Initiate your claim by calling The Standard’s toll-free telephonic claim intake number, 1-800-378-2395, and report your claim (Group #158390). Call within 14 days after the date your disability begins or as soon as possible. The Standard intake specialist will take your information by phone.


Group STD Insurance Certificate

Disability Carrier Transition FAQ

What happens if I am currently on a disability claim prior to January 1, 2024?

If you are currently on claim, you will remain on claim with the prior carrier. Your insurance with The Standard will not become effective until the day after you return to work for one full dayon or after January 1.

What happens if I am currently on claim and I return to work after January 1, 2024, but become disabled again within the temporary recovery provision of the prior carrier?

If the prior plan allows for your claim to be reopened after you become insured under The Standard, your claim will remain with the prior carrier. If the prior carrier does not allow your claim to be reopened after you become insured with The Standard, we will pick up your claim and manage it under the terms of your prior plan.

Do I get credit for time served under the prior carrier’s preexisting condition limitation?

Yes, the Standard will give credit for time served towards the prior carrier’s pre-existing condition limitation for amounts that were in-force with the prior carrier

If I elect a higher amount of coverage for January 1, 2024, will a pre-existing condition apply?

The pre-existing condition would apply to the newly elected increased coverage amount that has been in-force for 12 months or less. We would give credit for time served towards the pre-existing condition limitation for the amount that was in-force prior to January 1, 2024.

Will my coverage continue if I am on an approved leave?

Yes. If you are on an approved leave, we will continue your coverage for the appropriate duration of the leave.


Short Term Disability Cost by Pay Period

If Your Gross Annual Is At Least: You are eligible for a maximum monthly disability benefit up to: 20 PAY
24 PAY
$7,200.00 $400.00 $3.36 $2.80
$10,800.00 $600.00 $5.04 $4.20
$14,400.00 $800.00 $6.71 $5.60
$18,000.00 $1,000.00 $8.39 $7.00
$21,600.00 $1,200.00 $10.07 $8.40
$27,000.00 $1,500.00 $12.59 $10.50
$32,400.00 $1,800.00 $15.11 $12.59
$43,200.00 $2,400.00 $20.15 $16.80
$50,400.00 $2,800.00 $24.68 $20.57
$63,000.00 $3,500.00 $30.83 $25.69
$72,000.00 $4,000.00 $35.23 $29.36
$90,000.00 $5,000.00 $36.28 $30.24
$108,000.00 $6,000.00 $37.37 $31.15
$117,000.00 $6,500.00 $43.63 $36.36
$126,000.00 $7,000.00 $49.86 $41.55