Disability insurance is an optional insurance plan available to regular benefits-eligible active employees. Disability insurance replaces a portion of your income if you suffer a prolonged illness or non-work-related injury that prevents you from doing your job. Blue Cross and Blue Shield of Texas (BCBSTX) (formerly Dearborn) provides short-term disability (STD) and long-term disability (LTD) insurance benefits for active UT System employees. This benefit is not available for dependents.
For complete details about the disability plans, please read the plan documents and contact the vendor for any specific benefit questions or to initiate a claim.
Short-Term Disability (STD)
| Weekly Benefit | 60% of weekly earnings up to a maximum benefit of $850.00 per week subject to reduction by deductible sources of income or disability earnings. |
| Elimination Period | Accident/Injury: Seven (7) days or until sick leave has been exhausted. Sickness: Seven (7) days or until sick leave has been exhausted. |
| Sick Leave | You must exhaust all of your accrued sick leave before benefits are payable. |
| Maximum Period Payable | 22 Weeks; 4 weeks for pre-existing conditions |
Long-Term Disability (LTD)
| Monthly Benefit | 60% of your monthly earnings up to a maximum benefit of $15,000 per month, subject to deductible sources of income or other disability earnings. | |
| Elimination Period | 90 days from onset of disability, during which you are continuously disabled. | |
| Maximum Period Payable | Age at Disability Less than age 60 Age 60 through 64 Age 65 through 69 Age 70 and over |
Maximum Period Payable To age 65, but not less than 5 years 5 years To age 70, but not less than 1 year 1 year |
| Sick Leave | You must exhaust all of your accrued sick leave before benefits are payable. | |
You can enroll in STD or LTD without completing EOI during the first 31 days of your initial period of eligibility or within 31 days of a qualified change of status event.
Note: The LTD program does not cover long-term care services.
Resources
- Short- and Long-Term Disability Video
- Short-Term Disability Certificate
- Short-Term Disability Brochure
- Long-Term Disability Certificate
- Long-Term Disability Brochure
- Short- and Long-Term Disability Website (BCBSTX)
Contact
BCBSTX SHORT-TERM AND LONG-TERM DISABILITY CUSTOMER SERVICE (866) 628-2606
Claims Address (for Long-Term Disability Only)
BlueCross BlueShield of Texas
Attn: Claims Department
P.O. Box 7071
Downers Grove, IL 60515
File Short-Term Disability Claims by phone through the number above.
