Short and Long Term Disability Plans

Short Term Disability

MUSC University offers short term disability to employees; STD plans are not administered by the State’s insurance office, (PEBA), nor are the plans employer funded. What this means is STD is paid for by the employee in the form of premiums from their paycheck. MUSC contracts with two authorized vendors that provide short term disability to employees. Refer to the Benefits contact list section regarding STD for information. Payroll deductions can be arranged for automatic deductions. Employees can enroll in Short Term Disability anytime throughout the year prior to sickness or injury.

Short Term Disability (STD) pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury (excluding on-the-job injuries, which are covered by workers compensation insurance). Short term disability (STD) benefits start after you have met a 7-day waiting period and can provide a benefit for up to three months. STD benefits pay 60% of your pre-disability salary. Short term disability lasts up to three months.

Please review the STD and LTD FAQs (PDF).

Basic Long Term Disability

• You are automatically enrolled when you choose one of the health insurance plans.
• If approved, you would receive 62.5 percent of your pre-disability earnings after a 90 day waiting period.
• The maximum benefit is $800 per month and is reduced by deductible income (retirement, social security, worker's compensation, annual/sick leave).
• Pre-existing conditions will not be covered for 12 months from the date of coverage.

Supplemental Long Term Disability

• Employees can choose to enroll in a 90 day or 180 day waiting period plan.
• Premiums are based on your age and salary. View the SLTD Insurance Premium Calculator.
• The maximum benefit is $8,000 per month and is reduced by deductible income (retirement, social security, worker's compensation, annual/sick leave).
• Pre-existing conditions will not be covered for 12 months from date of coverage.

Review the SC PEBA webpage, SLTD Plan Details, Insurance Benefits Guide and SLTD Conversion Information for detailed plan information.

Medical evidence is required for initial enrollment and if you would like to change the waiting period from 180 to 90 days throughout the year. You will need to complete the SLTD Medical History Statement and submit it to the address listed in the packet.

South Carolina Retirement Systems Disability Retirement

• Members of the SCRS or PORS retirement plans under age 65 may apply for disability retirement if they become permanently disabled before leaving covered employment. Members must have at least 5 years of earned service, or 8 years if they are a Class III member.

Review the SCRS Disability Retirement Application and PORS Disability Retirement Application for more information.