Short-Term Disability
About the Plan
UNM offers Short-Term Disability insurance to most active benefits-eligible employees.
Review the Eligibility webpage for more information
- Short-Term Disability covers up to 60% of your pre-disability earnings if you are unable to work due to a disability caused by an accident or illness.
- There is an elimination period of 30 days before disability payments are payable.
- If you enroll after your initial eligibility ends, the elimination period for sickness is 60-days during the first 12 months you are insured.
- Disability benefits are not payable during the elimination period.
- For example, if your disabling event entitles you to 15 weeks of disability payments, you will receive 11 weeks of disability payments after the close of the 30-day elimination period. Or, 7 weeks of disability payments after the close of the 60-day elimination period if you have enrolled after your initial eligibility ends.
- After satisfying the elimination period, disability benefits are payable up to a maximum duration of 22 weeks.
Short-Term Disability is a voluntary benefit and is 100% employee paid.
Refer to Short-Term Disability Plan Highlights for more information.
Plan Documents
- FY27 Rates
- FY26 Rates
- Short-Term Disability Plan Highlights
- Limitations & Exclusions
- Enrollment Form
- Certificates of Insurance are available upon request.
When and How to Enroll
First, verify your eligibility.
Next, you may take advantage of these three enrollment opportunities:
- When you are newly hired or newly eligible for benefits.
- When you experience a Qualifying Change in Status
- During the annual Open Enrollment period, typically held in April/May.
During Open Enrollment, complete the Open Enrollment Life, Disability, and AD&D Web Form available through LoboWeb to enroll or make changes.
Enroll or make changes by completing The Hartford Enrollment Form.
Submit your completed Form to Benefits & Employee Wellness via Secure Document Upload or fax to 505-277-2278 within 60 Calendar Days of your newly benefits-eligible position or your Qualifying Change in Status Event.
Note: If you separate from employment, termination of coverage will occur.