Boise State University Human Resource Services - Benefits

Insurance - Disability

  1. Eligibility
  2. Enrollment
  3. Waiting Periods
  4. Medical Insurance
  5. Dental Insurance
  6. Vision Insurance
  7. Monthly Health Insurance Premiums
  8. Mental Health, Substance Abuse and Employee Assistance Program (EAP) Benefits
  1. When Coverage Ends
  2. COBRA
  3. When You Retire
  4. Basic and Supplemental Life Insurance
  5. NCPERS
  6. Supplemental Insurance Programs
  7. Disability: Short and Long Term


Eligibility

An eligible Member who is in the employ of the State of Idaho; and the State of Idaho has the reasonable expectation that such employment will exceed five months in any 12-month period and twenty hours per week, or 84 hours per month, during the five-month period. The effective date is the first day of the month following the date the individual becomes employed.


Premiums

The cost of the coverage is provided by Boise State University as a portion of your basic life policy.


Short Term Disability Waiting Period:

The waiting period is the longer of:

  • 30 continuous days of total disability, or;
  • 30 continuous days of Residual Disability, or;
  • the expiration of the Member’s accrued sick leave earned at the time of Total Disability or Residual Disability.

Long Term Disability Waiting Period:

The waiting period is the longer of:

  • 26 continuous weeks of Total Disability or Residual Disability, or;
  • the exhaustion of the Member’s sick leave earned from the State of Idaho at the time of Total Disability or Residual Disability.

Short Term Disability Benefits:

The maximum benefit period is 26 continuous weeks following the date of Total Disability or Residual Disability, less the waiting period.

The monthly benefit is 60% of the Member’s monthly salary. The monthly benefit amount shall be reduced by other income sources.


Long Term Disability Benefits:

The maximum benefit period for each Member, who becomes Totally Disabled or Residually Disabled prior to age 70, benefits payable until the attainment of age 70.

  • For each Member who becomes Totally Disabled or Residually Disabled between the ages of 70 and 75, benefits are payable until the earlier of recovery, or twelve months of benefit payments;
  • For each Member who becomes Totally Disabled or Residually Disabled at age 75 or older, benefits are payable until the earlier of recover or six months of benefit payments.

The monthly benefit amount is 60% of the Member’s monthly salary or $3,750, whichever is less. The monthly benefit amount shall be reduced by other income sources.


Filing Claims

Claim forms are provided by Human Resource Services by calling (208) 426-1616.