| Short-Term Disability (STD) |
Long-Term Disability (LTD) |
Workers’ Compensation |
OPERS Disability Retirement |
| Benefit description |
Income replacement after 30-calendar-day elimination period | Income replacement after 90-calendar-day elimination period | Coverage for medical expenses and compensation for lost pay from absences due to work-related injuries or illness |
OPERS members are eligible to apply for this disability benefit if they have at least five years of contributing service credit. |
| Who pays for the coverage? |
Employee | University | University |
Employee and University |
| Who determines eligibility for receiving benefits? |
Unum | Unum | Bureau of Workers' Compensation |
OPERS |
| Do I need to exhaust my ill time before benefits begin? |
No | Yes, before you’re eligible to receive LTD benefits, you must exhaust your remaining sick leave balance | No |
No |
| When should I report a claim? |
As soon as your physician estimates you will be off work for longer than 30 calendar days | As soon as your physician estimates you will be off work for longer than 90 calendar days | At the onset of the injury or illness |
As soon as your physician determines your condition is permanently disabling and you're unable to perform your current job duties |
| What forms do I need? |
Authorization forms available online at hr.osu.edu/forms |
Application available from Ohio State’s Integrated Disability (see contact information below) |
Employee Accident Report form available online at hr.osu.edu/forms |
Application available from Ohio State's Integrated Disability (see contact information below) |
| Who do I call to file a claim? |
If currently enrolled in STD coverage, call Unum
1-866-245-3013
Monday thru Friday 8 a.m.–8 p.m.
Note: you must provide the Ohio State STD policy #121156 to Unum |
For LTD, OPERS or Workers’ Compensation, call Ohio State’s Integrated Disability: (614) 292-3439, 1-800-678-6413, or id@hr.osu.edu Monday - Friday 8 a.m.–5 p.m. |
