How the Plan Works

You may receive benefits from the plan if you are a member and become disabled.  “Disability,” for purposes of the plan, means that, as a result of injury or sickness, you are unable to perform the material and substantial duties of your own occupation.

Weekly STD Payments

Benefit payments will begin on the day you complete 45 days of continuous total disability or the day your sick leave is exhausted, whichever is later.

Non-Represented or Represented by L615 or L494

Each weekly benefit payment will be 60% of your weekly base salary, up to a maximum weekly benefit amount of $500.00.  This means the maximum covered salary is $833.34 per week (or $43,333.68 per year), since $833.34 times 60% equals $500.00.

Your weekly disability payments from the plan will be reduced by any payments you receive from any of the following sources:

  • Social Security or similar government programs
  • Workers’ Compensation or similar payments, except when they result from previous injuries or disabilities
  • Any insurance or retirement plan to which the University contributes.

The plan, however, does guarantee you a minimum weekly benefit of $175 regardless of your income from other sources.

Represented by L2324 or BUPPA

Each weekly benefit payment will be 60% of your weekly base salary, up to a maximum weekly benefit amount of $450.00.  This means the maximum covered salary is $750.00 per week (or $39,000 per year), since $750.00 times 60% equals $450.00.

Your weekly disability payments from the plan will be reduced by any payments you receive from any of the following sources:

  • Social Security or similar government programs
  • Workers’ Compensation or similar payments, except when they result from previous injuries or disabilities
  • Any insurance or retirement plan to which the University contributes.

The plan, however, does guarantee you a minimum weekly benefit of $175 regardless of your income from other sources.

STD Benefits Duration

The duration of your STD benefits will continue for the lesser of:

  • Social Security or similar government programs
  • 135 days
  • Duration of your disability elapsing after the 45th day of disability
  • 180 days minus the number of your accrued sick days

Once short-term disability benefits cease, you may be eligible for benefits from your participation in the Boston University Long Term Disability Benefits Plan.

Tax on Your STD Income

Under present federal income tax laws, your disability benefits are considered taxable income to you in the year they are received.

Exclusions and Limitations

As in most plans of this type, there are some disabilities which are not covered.  Disabilities excluded from this plan are those resulting from self-inflicted injury or an act of war.  If you were ill or injured prior to becoming a member, you will not receive benefits for any period of disability resulting from that illness or injury.

For more information on exclusions and limitations, you should contact Human Resources.