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Disability

When you become employed as a full-time or part-time salaried state employee and are enrolled in VRS, you are enrolled in the Virginia Sickness and Disability Program (VSDP). If you were hired on or after July 1, 2009, you must complete one year of continuous employment before becoming eligible for short-term and long-term disability coverage for non-work related illnesses or injuries.

Short-Term Disabilty

VSDP Income Replacement – Non-Work Related Disabilities
Date of Hire after July 1, 2009
Months of State Service Workdays of Income Replacement at 100% Workdays of Income Replacement at 80% Workdays of Income Replacement at 60%
Less than 12 0 0 0
13-59 0 0 125
60-119 25 25 75
120-179 25 50 50
180 months or more 25 75 25
VSDP Income Replacement – Non-Work Related Disabilities
Date of Hire before July 1, 2009
Months of State Service Workdays of Income Replacement at 100% Workdays of Income Replacement at 80% Workdays of Income Replacement at 60%
Less than 60 5 20 100
60-119 25 25 75
120-179 25 50 50
180 months or more 25 75 25

How to Initiate a Claim with UNUM

Long-Term Disabilty

You may be eligible for long-term disability benefits if your medical condition is expected to extend beyond 125 workdays of short-term disability. Benefits cover those in a return-to-work program who can work 20 or more hours a week but cannot perform their full duties at their regular schedules and those who are unable to work at all or only up to 20 hours a week.

Benefits

Long-term disability provides an income replacement of 60 percent of your annual compensation, including any salary increases applied during your short-term disability. Payments are adjusted if you receive payments or income from other sources or other disability programs.

COLA for Long-term Disability Benefits Effective July 1, 2008: 2.8%

After you have been on long-term disability for a full calendar year (January 1 to December 31), you may be eligible for a cost-of-living adjustment (COLA) July 1 of the following year. Upon recommendation of the program actuary, the VRS Board of Trustees sets the COLA amount each fiscal year.

Catastrophic Disability Benefits

If your disability becomes catastrophic, your income replacement level will be at 80 percent for the duration of the catastrophic condition. To qualify, you must be unable to perform at least two out of six Activities of Daily Living: bathing, dressing, eating, maintaining continence, toileting and getting in and out of bed and chairs.

Disabilty Summary Information

Disabilty Website - VSDP

UNUM Customer Service - 1.800.652.5602

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