Short-Term Disability

Disability Benefits 

If you are out of work for an extended period of time because of a disabling injury or illness, disability benefits are designed to replace a portion of your income and help you maintain your lifestyle. Disability is defined as being unable to perform the material duties of your own occupation because of physical disease, injury, pregnancy, or mental disorder. 
 

Short-Term Disability

Tulane will now offer Short-Term Disability (STD).  All benefits-eligible employees are defaulted into Short-Term Disability at six months of employment (all employees hired on or before July 1, 2023, will be eligible for STD on January 1, 2024).  The waiting period, also known as the elimination period, is 30 calendar days from when the disability occurs before benefits become payable.  Please note that payroll deductions/premiums for STD are made on a pre-tax basis, while benefits payments are taxed.   

Staff, Librarians, and Post-Doctorates

For Staff, Librarians, and Post-Doctorates, 60% of earnings will be provided, with a maximum weekly benefit of $2,500. Employees are required to use accrued sick time during the 30-day waiting period. Sick time may be used to cover 40% of earnings in months two and three. Earnings are defined as Base Pay plus Shift Differential (if applicable).

STD premiums are based on the weekly benefit amount. STD benefits equal 60% of the weekl
y earnings, with a maximum weekly benefit of $2,500. The premium rate is $.0007 per $10 of benefit.

EXAMPLE: If weekly earnings are $1,000, the premium is calculated as follows:

Using the previous example, if weekly earnings are $4,200, the benefit maximum of $2,500 per week would apply and the premium is calculated as follows:

Faculty and Administrators

For Faculty and Administrators, 100% of earnings will be provided. Earnings are defined as Base Pay.

STD premiums are based on the weekly benefit amount. STD benefit equals 100% of the weekly earnings. The premium rate is $0.007 per $10 of benefit.

EXAMPLE: If weekly earnings are $1,000, the premium is calculated as follows:

Tulane University Medical Group (TUMG) Faculty Members

For TUMG Faculty, 100% of earnings will be provided. Earnings are defined as Base Pay plus Supplemental Pay based on clinical earnings.

STD premiums are based on the weekly benefit amount. STD benefit equals 100% of the weekly earnings. The premium rate is $0.059 per $10 of benefit.

EXAMPLE: If a TUMG Faculty's weekly earnings are $5,000, the premium is calculated as follows: