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Administered by Lincoln Financial Group

UC’s basic employer-paid disability insurance offers a benefit capped at $800 monthly for up to six months. For a modest monthly premium, UC’s Voluntary Disability Insurance replaces much more of your income — 60% of your eligible pay up to $15,000 per month — for increased financial security when you need it most.

  • Full Full eligibility available
  • Mid Mid eligibility available
  • Core Core eligibility available
  • Retirees Retirees eligibility available

Premium costs

UC pays for basic disability. You pay the premium for voluntary coverage if you choose to enroll.

Premium costs depend on your monthly salary, age and the coverage you choose (short-term, long-term or both); our premium estimator can help you understand your costs.

How to enroll

Basic disability

Enrollment in basic disability insurance is automatic, as soon as you become eligible.

Voluntary short-term and/or long-term disability

Newly hired employees are given a 31-day period of initial eligibility (PIE) to enroll in Voluntary Short- and/or Long-Term Disability. Choose the coverage you need during your PIE. Later, you may only enroll by submitting an Evidence of Insurability application (which includes a Statement of Health) PDF to the insurance company — you may not qualify. This is especially important if you’re considering becoming pregnant; if you wait to enroll until after you’re pregnant, your application will be denied. You may cancel your voluntary coverage at any time.

How the plans work