Disability coverage provides an income replacement benefit in the event you are unable to work due to a non-work-related illness or accident. The ability to work is usually an employee’s most important financial asset. The Social Security Administration estimates that just over 1 in 4 of today’s 20 year-olds will become disabled before reaching age 67. Once an individual has become disabled for over 90 days, the average length of disability is 4 years.
As a Colquitt County Schools employee, you have the option to elect short term and / or long term disability coverage. These plans pay a benefit should you remain disabled and unable to work, and provide you with financial protection in the event of a catastrophic illness or injury.
If you newly elect Short Term Disability or Long Term Disability coverage after your initial eligibility period, an Evidence of Insurability for medical underwriting is required. An EOI Form may be obtained from the benefits website or the Benefits Service Center. Any pended elections will be noted on your Benefits Confirmation Statement.
Sick leave is accumulated at the rate of 1.25 days per month, and employees may accumulate up to 60 days of sick leave.
Short Term Disability coverage provides an income replacement for a limited, or short time period. At the time of your disability, you have the option to use your sick leave or leave it in your bank. If you use your sick leave at the time of your disability, your sick leave will pay in addition to the Short Term Disability benefit.
For pregnancy, the Short Term Disability benefit is up to two weeks pre-partum and up to 6 weeks post-partum after a 7 day waiting period or "elimination period" for normal and Ceserean section deliveries.
Long Term Disability coverage provides a benefit up to age 65 or Social Security Normal Retirement Age should your disability continue beyond the Short Term Disability period and if you continue to satisfy the definition of disability.
The Long Term Disability plan excludes disabilities caused by a pre-existing condition for the first 12 months of coverage. A pre-existing condition is one for which you have been diagnosed or treated within the prior 3 months before newly enrolling in the plan. Once you have been insured with Long Term Disability coverage for 12 months, no coverage restrictions related to pre-existing conditions apply.
To file a claim electronically, please click here.