ENROLL

Disability coverage

The disability benefits consist of a Short-term Disability (STD) Plan, Long-term Disability (LTD) Plan, and an Extended Illness Bank (EIB) for certain eligible team members.

The plans work together to replace a portion of your income when you are on an approved absence from work for your own serious health condition.

Contact Reliance Matrix at 877-202-0055 to file your disability claim.

Visit reliancematrix.com for more information. 

Disability details | Team members
Plan Benefit Amounts And Guidelines
Extended Illness Bank (EIB)
  • Full-time and part-time members receive a benefit for income replacement based on accumulated hours prior to 12/14/2014
  • Income replacement at 100%
Short-term Disability (STD)
  • Provides coverage after a seven-day elimination period
  • Maximum duration is 90 days per event
  • $2,000 maximum weekly benefit
  • Team members with less than 5 years of service may purchase a supplemental buy-up plan to increase income replacement up to 80%
  • Team members enrolled in the STD buyup plan have a $2,500 maximum weekly benefit
Long-term Disability (LTD)
  • Provides coverage after a 90-day elimination period
  • Replaces 50% of your pre-disability pay ($12,000 monthly maximum)
  • Pre-existing conditions apply 1
Short-Term Disability Income Replacement Schedule1
Years of Service Income Replacement Level
Less than 5 years 60%
Greater than 5 but less than 10 years 80%
10+ years 100%
  1. NOTE: If you become disabled during the first 12 months of coverage due to a pre-existing condition, the Long-term Disability Plan may not pay benefits.

Example: When short-term disability (STD) pay begins

  • If date of disability is January 15, 2026.
  • Waiting period would be January 15-21 (PTO can be used during the seven-day waiting period).
  • STD pay (income replacement) begins January 22, 2026.
  • STD pay ends April 14, 2026 (90th day of disability)

For more detailed information, please see the summary plan descriptions available on the ECU Health Service Center.

Disability details | Providers
Plan Benefit Amounts And Guidelines
Short-term Disability (STD)
  • Two plan options available: 15/11 and 30/09
  •  15/11 has a 15-day elimination period and pays up to 11 weeks of benefits
  •  30/09 has a 30-day elimination period and pays up to 9 weeks of benefits replacement
  •  Pre-existing conditions apply*
  • Replaces 50% of your pre-disability pay ($1,000 per week maximum)
Long-term Disability (LTD)
  • Provides coverage after a 90-day elimination period
  • Replaces 50% of your pre-disability pay ($12,000 monthly maximum)
  • Pre-existing conditions apply*
Physician Individual Disability Insurance (IDI)
  • Bi-annual enrollment opportunity for newly eligible providers
  • Covers more of your compensation, above LTD plan benefit maximums
  • Discounted premiums
  • Policy belongs to you and is portable
  • Premiums are rate-locked

* NOTE: If you become disabled during the first 12 months of coverage due to a pre-existing condition, the disability plans may not pay benefits.

Disability details | Residents
Plan Benefit Amounts And Guidelines
Short-term Disability (STD)
  • Two plan options available: 15/11 and 30/09
  • 15/11 has a 15-day elimination period and pays up to 11 weeks of benefits
  • 30/09 has a 30-day elimination period and pays up to 9 weeks of benefits
  • Pre-existing conditions apply*
  • Replaces 50% of your pre-disability pay ($1,000 per week maximum)
Long-term Disability (LTD)
  • Provides coverage after a 90-day elimination period
  • Replaces 50% of your pre-disability pay ($12,000 monthly maximum)
  • Pre-existing conditions apply*

* NOTE: If you become disabled during the first 12 months of coverage due to a pre-existing condition, the disability plans may not pay benefits.

For residents, this coverage is effective on your date of hire. For all other team members, your effective date of coverage is the first of the month following your date of hire or transferring into a benefit eligible classification.