University of Florida is pleased to offer Group Life with Accidental Death and Dismemberment and Disability insurance to eligible employees through Standard Insurance Company. This site explains the coverage available and provides resources to help you take advantage of them.
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Life with AD&D Insurance | Disability Insurance | File a Claim | Contact Us
Enroll Today
Please log in to your enrollment site within 60 days of your date of hire to enroll in Group Life with AD&D or Disability insurance. You may also enroll during your annual enrollment period.
Life and AD&D Insurance
Group Life insurance can help provide financial support and stability to your loved ones if you pass away.
Life insurance can help protect your family's finances if something happens to you. This coverage can help provide financial support and stability to your family if you pass away.
Please review the following documents for details about eligibility, coverage amounts, exclusions and limitations.
Included With Your Coverage
Your Voluntary Life coverage includes:
- Travel Assistance offers aid before and during your trip, including visa information, health inoculation recommendations, credit card and passport replacement and connection to medical care providers.
- Life Services Toolkit provides resources for financial planning, estate planning assistance, health and wellness, identity theft prevention and funeral arrangements. Visit the Life Services Toolkit website and enter user name "assurance" for information and tools to help you make important life decisions.
Forms and FAQ Documents
Learn the basics of Life insurance with this short video. Use the Life insurance needs calculator to estimate how much coverage you might need.
Read through an example of how this coverage helped employees and their families.
Javier's wife had a fatal car accident on her way to work, even though she was wearing a seat belt and the car's airbag deployed. The death left Javier in shock.
Because his wife had Life and AD&D insurance through her employer, and because the death was the result of a covered accident, Javier received:
- $100,000 in Life insurance coverage, which helped him pay off their mortgage
- $100,000 in AD&D coverage, which also helped him pay off their mortgage
- $10,000 AD&D Seatbelt benefit, which helped cover funeral expenses
- $5,000 AD&D Airbag benefit, which also helped pay for funeral expenses
- $10,000 AD&D spouse Career Adjustment benefit, which reimbursed Javier for classes he took to increase his earnings after his wife's death
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Disability Insurance
Disability insurance can help protect your income if you’re disabled and can't work.
Coverage Details
You have two plan options to choose from, the 30-Day Plan or the 90-Day Plan. Coverage under the 30-Day Plan is provided under both the group Short Term Disability and Long Term Disability insurance policies issued by The Standard. Coverage under the 90-Day Plan is provided under the group LTD insurance policy. Please review the following documents for details about eligibility, benefit amounts, exclusions and limitations.
- Coverage Highlights
- FAQ - Evidence of Insurability
- Short Term Disability Certificate of Insurance
- Long Term Disability Certificate of Insurance
Included With Your Short Term Disability Coverage
Health Advocacy Select: This service provides personal health advocates to help you navigate health care. Advocates can help to explain medical plans, make sense of doctor bills, compare services, schedule appointments and more.
Videos: Learn the How and Why
Learn how Short Term Disability insurance can help your family. Watch this short video and use the Disability insurance needs calculator to estimate how much coverage you might need.
Learn how Long Term Disability insurance can help your family. Watch this short video and use the Disability insurance needs calculator to estimate how much coverage you might need.
Coverage Details
You have two plan options to choose from, the 30-Day Plan or the 90-Day Plan. Coverage under the 30-Day Plan is provided under both the group Short Term Disability and Long Term Disability insurance policies issued by The Standard. Coverage under the 90-Day Plan is provided under the group LTD insurance policy. Please review the following documents for details about eligibility, benefit amounts, exclusions and limitations.
Video: Learn the How and Why
Learn how Long Term Disability insurance can help your family. Watch this short video and use the Disability insurance needs calculator to estimate how much coverage you might need.
Read how real customers used different types of disability coverage.
Cancer
Parker was already managing a heart condition when their doctor diagnosed them with cancer. They could no longer work their construction job, with chemotherapy draining them both physically and financially.
Parker also faced many unexpected expenses, including in-home care, a special diet and alternative medical treatment. The Standard helped Parker apply for Social Security Disability Income benefits, which they received. Fortunately, Parker’s Long Term Disability insurance also replaced some of their income. That meant they didn't have to tap into hard-earned retirement savings.
Benefits by the Numbers
- $5,125. Parker's monthly earnings insured before the disability
- 60% of paycheck supplemented by benefits
- $3,075. Monthly benefit amount
- $1,450 Less Social Security disability income
- $1,625 LTD benefit amount payable
- 180 days. Benefit waiting period
- 3 years, 2 months. Length of time Parker received benefits
- $61,750. Total benefits paid
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based on your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Car Accident
A severe car accident left Robert with back injuries that kept him at home for several months. Long Term Disability coverage replaced part of his income, which he put toward his car payment, groceries and birthday presents for his children.
When Robert was ready, this benefit also helped him return to work sooner by paying his employer to install an adjustable desk and make other modifications. This allowed Robert to earn more by allowing him to return to work part-time while recovering and still receive a partial LTD benefit.
Benefits by the Numbers Before Robert Could Work
- $4,000. Monthly earnings insured before the disability
- 60% of paycheck supplemented by benefits
- $2,400. Monthly benefit amount
- 90 days. Benefit waiting period
- 4 months. Length of time Robert received benefits
- $9,600. Benefits paid during total disability
Benefits by the Numbers While Robert Transitioned Back to Work
- $2,180. Reasonable Accommodation Benefit paid to the employer for an adjustable desk
- $2,200. Robert's part-time monthly earnings after returning to work
- $1,800* Monthly benefit amount after returning to work
- 3 months. Length of partial disability
- $5,400 Benefits paid during partial disability
- $15,000. Benefits paid during partial disability
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based on your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
* Under the Return-to-Work incentive, for a period of time Robert's LTD benefit is not reduced until the amount of his work earnings, when added to his maximum LTD benefit, exceeds 100% of his insured predisability earnings. Robert's total income after working and collecting LTD benefits equaled his regular income of $4,000.
Pregnancy
Emma was out of work for six weeks after the birth of her child. Fortunately, her Short Term Disability coverage paid a portion of her wages.
Benefits by the Numbers
- $950. Emma's weekly earnings insured before the disability
- 60% of paycheck supplemented by benefits
- $570. Weekly benefit amount
- 7-day. Benefit waiting period
- 5 weeks. Length of time Emma received benefits
- $2,850. Total benefits paid
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
File a Claim
We're here to help. Please contact us if you need assistance with filing a claim.
Report a claim as soon as you believe you will be absent from work beyond 30 or 90 calendar days, depending on the disability plan you elected.
You need to provide the following information for all disability claims:
- Employer Name: University of Florida
- Group Policy Number: 648973
- Name and Social Security number
- Last day you were at work
- Nature of claim/medical information
- Physician’s contact information (name, address, phone and fax number)
Online Claim Submission
To file a claim online, go to standard.com and click on “File a Claim” to begin the claim process. Instructions will be provided through the entire claim submission process.
Paper Forms
Completed, signed and dated forms and supporting documentation may be sent to The Standard by mail, email or fax.
The easiest way to file a Group Life insurance claim is to contact the University of Florida. They will be able to provide you with the information needed to ensure your claim is processed quickly and accurately.
Contact Us
If you are looking for general information, please contact your benefits department.