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FSU Special Open Enrollment for Group Disability Insurance
February 13th - April 14th, 2023

During this time only, eligible FSU employees may enroll in

Group Disability Insurance with no medical underwriting

What Does Disability Insurance Provide?

A group disability insurance policy provides an inexpensive way to help protect your income, your family, and yourself from loss due to an unexpected illness or injury.

    • Replaces 60% of your income tax-free to a maximum of $15,000 per month1 payable to Social Security Normal Retirement Age (SSNRA2).
    • Pays an additional 11% towards an annuity contract if disabled more than 12 months.
    • Benefits begin after either 30 or 90 days, according to the elimination or waiting period you choose.
    • Covers 80% to a maximum of $20,000 to SSNRA for "catastrophic disability3."
    • Includes a Lifetime Benefit of 60% of your income to a maximum of $15,000 monthly starting at Social Security Normal Retirement Age in the event of "catastrophic disability."
    • Is available through convenient payroll deduction. No paper bills to pay.

Enroll now in Group Disability Insurance

or schedule a meeting with a representative to learn more (video or phone) here:

Enroll Now

If you elect the 30 day plan, benefits from day 30 to day 90 will be paid on a weekly basis to a maximum of $3,462 under a Short Term Disability policy. After 90 days of disability, benefits are paid monthly through a Long Term Disability plan as described above.

Social Security Normal Retirement Age means your normal retirement age under the Federal Social Security Act, as amended. Please reference the open enrollment brochure for the maximum benefit schedule for participants over age 62.

A "catastrophic disability" is one that causes the loss of two of six Activities of Daily Living or a severe cognitive impairment. Catastrophic loss benefits pay after 90 days of disability and must occur while you are eligible for disability benefits.