Disability

Income replacement if you’re unable to work

  • Disability coverage helps replace a portion of your income if you’re unable to work due to an injury, illness or pregnancy. The district offers coverage through Unum Provident Life Insurance Company.
  • Coverage is available at 66.67% of your annual base salary, up to $1,154 per week for short-term disability (STD) and $9,000 per month for long-term disability (LTD).
  • Choose from two waiting, or elimination, period options: 14 or 90 days.
  • Benefits may be reduced by other sources of income such as Workers Compensation, TRS, Social Security and other wage continuation (sick days, leave days, summer wages, for example).
  • Benefits are non-taxable since the premiums are deducted after tax.
  • No evidence of insurability is required to enroll in disability during annual enrollment. However, if you did not enroll in the disability plan last year, a pre-existing condition provision (see below) will be applied to long-term disability claims (i.e., those lasting greater than 90 days if enrolled in the 14-day waiting period or any claim if enrolled in the 90-day waiting period).

Base earnings are calculated from your salary as of the October before your disability and don’t include bonuses, commissions, overtime pay, shift differential, employer contributions on your behalf to any deferred compensation or pension plan or any other extra compensation.

If you’re receiving disability benefits at the time of your death, survivor benefits may be paid to your spouse, child(ren) or estate.

Choosing your elimination period

The waiting period is the amount of time you must be disabled before you’re eligible to receive a disability benefit.

 

You might consider choosing your waiting period based on the number of sick/personal days you have. For example, if you have a lot of sick/personal days available, you might choose the longer, 90-day waiting period before your disability benefits begin.

Filing a claim

To file a disability claim, print the claim form and complete according to the instructions. There are three parts — one for you, one for your physician and one for your employer, Katy ISD. Return the completed employee and physician sections to the Risk Management Office in the Education Support Complex. We'll fill out our part of the form and submit it to Unum. For assistance during this process, call Katy ISD Risk Management department at 281-396-2241.

Receiving benefits

Once approved, your benefits start the day after your waiting period ends. Benefits may continue during disability until you recover or reach the maximum benefit period.

The duration of your benefits is based on your age at disability.

 

Provision description
Age when disability begins Maximum benefit period
Less than 60 To age 65, but not less than 5 years
60 60 months (5 years)
61 48 months (4 years)
62 42 months (3 years 6 months)
63 36 months (3 years)
64 30 months (2 years 6 months)
65 24 months (2 years)
66 21 months (1 year 9 months)
67 18 months (1 year 6 months)
68 15 months (1 year 3 months)
69 and over 12 months (1 year)
When benefits end

Your payments stop on the earliest of the following:

  • During the first 24 months of payment, when you are able to work in your regular occupation (see definition below) on a part-time basis but you do not
  • After 24 months of payment, when you are able to work in any gainful occupation (see definition below) on a part-time basis but you do not
  • After 12 months of payment if you reside outside the US or Canada for six months or more during any 12 consecutive months of benefits
  • The end of the maximum period of payment
  • The date you are no longer disabled under the terms of the plan (unless you’re eligible to receive benefits under Unum’s Rehabilitation and Return to Work assistance program)
  • The date your disability earnings exceed the amount allowable under the plan
  • In the event of your death
  • The date you fail to submit proof of continuing disability
Regular occupation

You’re considered disabled if, as a result of physical disease, injury, pregnancy or mental disorder, you’re unable to perform the material duties of your regular occupation that you are routinely performing when your disability begins and suffer an earnings loss of at least 20% of your indexed pre-disability earnings when working in your regular occupation. You’re not considered disabled during this period because of a loss of license or something similar that restricts your right to perform your occupation.

Gainful occupation

You’re considered disabled if, as a result of physical disease, injury, pregnancy or mental disorder, you’re unable to perform the duties of any gainful occupation that is or can be expected to provide you with an income at least equal to your gross disability payment within 12 months of your return to work.

Pre-existing conditions

This plan doesn’t cover pre-existing conditions for the first 12 months after your effective date of coverage for long-term disability claims (disabilities that last longer than 90 days). You have a pre-existing condition if:

  • You received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines in the three months prior to your effective date of coverage and;

  • The disability begins in the first 12 months after your effective date of coverage.

The pre-existing exclusion does not apply to disabilities lasting more than 14 days and less than 90 days.

Actively-at-work provision

If you’re not actively at work when coverage is scheduled to become effective, your coverage doesn't take effect until you complete your first day at work. Paid leave and paid vacation are not considered being actively at work.

Helpful resources

For more information, refer to the insurance certificate available form the Katy ISD Risk Management office or call Unum customer service at 800-858-6843.

Also, see the disability plan FAQs.

Visit the Unum website to:

  • Monitor your claim
  • Sign up for direct deposit of your claim payment
  • Update your contact information
  • File a maternity claim in advance
  • Report your return-to-work date
  • Name a beneficiary
  • Find answers to your disability benefits questions

Important: The information provided on this page is not the official policy. In the case of discrepancies, the policy governs.

Your cost
0.6300
0.3000
1200

Based on 24 pay periods $4.94

For any benefits question or concern, including 24/7 Nurse Line access, one call does it all.
Call us at 866-222-KISD (5473)