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.
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.
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.
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.
|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)|
Your payments stop on the earliest of the following:
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.
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.
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.
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.
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:
Important: The information provided on this page is not the official policy. In the case of discrepancies, the policy governs.
For any benefits question or concern, including 24/7 Nurse Line access, one call does it all.
Call us at 866-222-KISD (5473)