Disability 2020

Administered by Sun Life
Our Group Number is: 79568
Customer Service: 1-800-247-6875
Website: sunlife.com

Why do I need disability insurance? Those under the age of 60 years are three times more likely to become disabled than to die. In fact, more that 50 Americans become disabled every minute. Half of all home foreclosures result from an interruption of the primary breadwinner’s paycheck due to disability. Disability insurance can help provide income you and your family need while you are unable to work.

That’s why Round Rock ISD offers employees disability insurance, which will help protect your paycheck and standard of living if you become disabled and unable to work for a continuous period of time. Disability benefits may be received in conjunction with any sick, personal and/or extended leave benefits.

Round Rock ISD has chosen Sun Life to offer disability plan options for district employees. Sun Life’s plans integrate short- and long-term benefits, varying according to the plan option selected. The most successful disability plans provide the most equitable benefits possible, while also maintaining the highest possibility of rehabilitation and return to work. Whenever it is appropriate, RRISD will develop an individualized program to help get you back on the job as soon as it is medically safe to do so. By doing so, the district helps you get back to your full salary and also benefits from your contributions to the workplace.

District employees may choose from the following two plan options within the first 30 days of employment. Insurance is effective the first day of the month following date of hire.

Plan Options:

14 DAY Disability coverage starting after 14 days for illness or 14 days for injury 60% of monthly salary up to $5,000 Benefits payable untilage 65*
90 DAY Disability coverage starting after 90 days for illness or 90 days for injury 60% of monthly salary up to $5,000 Benefits payable untilage 65*

*Benefits will be paid contingent upon disability definition being met. Coverage for own occupation for 2 years (24 months); any occupation thereafter.

Rates for Disability Coverage:
View Estimated Disability Rates

14 DAY: “High Plan”Monthly salary x rate (by age)÷100 =Monthly Premium

90 DAY: “Low Plan”

Monthly salary x rate (by age)÷100 =Monthly Premium

Sample premium calculation: Employee with monthly income of $2,000, age 40, electing 14 Day or “High Plan”: $2,000 x .778 ÷ 100
= $15.56 per month
Sample premium calculation: Employee with monthly income of $2,000, age 40, electing 90 Day or “Low Plan”: $2,000x .343 ÷ 100
= $6.86 per month
14 Day 90 Day

Age

Calculation Rate

Age

Calculation Rate

Age 24 and under

.368

Age 24 and under

.100

25 to 29

.447

25 to 29

.133

30 to 34

.513

30 to 34

.174

35 to 39

.606

35 to 39

.228

40 to 44

.684

40 to 44

.302

45 to 49

.806

45 to 49

.397

50 to 54

1.074

50 to 54

.543

55 to 59

1.457

55 to 59

.661

60 to 64

1.535

60 to 64

.733

65 and over

1.795

65 and over

.943

Note: The above information is only a summary of plan benefits. Please refer to the policy document listed below for specific questions and benefits.

Disability Documents