Short-Term Disability Overview

  • Short Term Disability (STD) coverage is available on an optional basis to benefit-eligible employees working at least 20 hours per week.

    In 2019 the STD carrier is VOYA.

    Beginning in 2020 the STD carrier will be Madision National/National Insurance Services (NIS) Benefit elgible employees can enroll in STD insurance within 30 days of their hire date. After the initial 30-day window, STD insurance can only be added (or coverage amounts increased) during open enrollment.  

    Completion of the Evidence of Insurability Form from the employee is required to start the approval process from the carrier.  

    Short term disability (STD) replaces a portion of your pay for medical disabilities while you are out of work due to a non-work-related illness or injury. You are eligible to elect coverage up to the lesser of 66.667% of your monthly salary or $3,000 for each month you are on STD.  Injuries or illnesses covered under workers compensation benefits are not additionally covered under short term disability.  
    Benefits on a claim begin the first day of an accident or the 8th day of an illness and continue for a maximum of 3 months or 6 months for employees who do not qualify for Long Term Disability.

Claims and Forms

  • Questions in the calendar year 2019 contact VOYA directly at 1-888-305-0602.

    For coverage in the calendar year 2020 Madison National will be the disability carrier.  Please contact the Och's Agency with any questions at 651-665-3789

    Claim forms should be send directly to the address listed on the form. 


Short Term Disability Plan Summary

  • Short-Term Disability Costs 2020 with Madison National

    Class Type

    Coverage Length
    (up to)

    Cost per $100 of coverage

    Class 1 (EE's not eligible for Long-term disability)

    26 weeks

    $1.466 per $100 of coverage 

    Class 2 (EE's eligible for Long-term disability)

    13 weeks

    $1.348 per $100 of coverage

    Class 3

    13 weeks