Short-term Disability Insurance

Overview

While State employees have accrued sick and vacation time to protect their salary against off-the-job accident and illness, they are not eligible to receive TDI benefits.  For greater protection, employees may purchase short-term disability insurance from Aflac or Colonial Life. Short-term disability insurance replaces a portion of your income when you cannot work due to a covered accident off the job or sickness.

Key Features

  • Benefits are paid directly to you, regardless of any other disability insurance you may have
  • Your coverage is fully portable (e.g., you can keep the same plan even if you switch jobs or leave State employment)
  • Your premium rates stay the same unless you make changes to your plan

Coverage Details

Aflac
(Non-union or any union employees)		 Colonial Life
(Select union employees only*)
Plan Offering Off-job accident or sickness coverage Off-job accident or sickness coverage
Monthly Benefit Amount $500–$5,000** (in $100 increments) $400–$6,500** (in $100 increments)

Maximum income replacement: 60% of salary
Benefit Periods 3, 6, 12, or 24 months 3, 6, 12, or 24 months
Elimination Periods***
(accident/sickness)		 0/7, 0/14, 7/14, 0/30, 30/30, 60/60, 90/90, 180/180 0/7, 7/7, 0/14, 14/14, 0/30, 30/30, 60/60, 90/90, 180/180
Premium Rates Your premium rates can range from a few dollars to over a hundred dollars per pay period depending on your age, salary, benefits period, and eliminition periods. Please contact Aflac or Colonial Life to receive an exact quote.
Coverage Termination Coverage terminates at age 70, even if you are still employed. Coverage terminates on the policy anniversary following your 70th birthday.

* Represented by NEA-RI, AFSCME-Council 94, AFT, SEIU, IFPTE, LIUNA-Local 808, RIBCO or URI/AAUP.

** Subject to income requirements and benefit period restrictions.

*** Elimination period is the number of days following a disability before benefits begin. Choice of elimination periods depends on the benefit period selected.

Aflac Colonial Life
Non-seasonal employee Non-seasonal employee
Non-union or any union employee Select union employee only*
Scheduled to work at least 30 hours per week Scheduled to work at least 20 hours per week
Not on leave without pay (LWOP) Not on leave without pay (LWOP)
Enrolling prior to age 65 Enrolling prior to age 70

* Represented by NEA-RI, AFSCME-Council 94, AFT, SEIU, IFPTE, LIUNA-Local 808, RIBCO or URI/AAUP.

Please contact the Aflac or Colonial Life RI office to enroll or obtain additional information regarding coverage options and plan costs. Make sure you identify yourself as a State of Rhode Island employee.