Jefferson County Schools

What is Short-Term Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a short period of time. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

 

What is Long-Term Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a long period of time, up to Social Security Normal Retirement Age. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

 

Plan rules:

• Eligibility: Eligible full-time employees as designated by the board

• Coverage through OneAmerica (Employee must be actively at work on the effective date.)

• Short-Term Disability: Annual enrollment, no health questions every year. Does not offset for sick leave, will offset for Paid Parental Leave, workers compensation, or any other outside income.

• Long-Term Disability: Employer paid benefit, all employees are automatically enrolled. Benefit is offset by any outside income (Social Security, sick leave, retirement, etc.)

• The chart below is a sample of covered services. After 7.1.2026, please see the Plan Certificate for full plan details.

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Contact Campus Benefits for assistance with claims.

Email: mybenefits@campusbenefits.com

Call 1-866-433-7661, option 5

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