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Human Resources

Human Resources Administrative Practice Manual:
Employee Benefits & Services

Print friendly Modified June 24, 2013

Disabled Employee Insurance

Citation Reference  
Official Title Policy on Disabled Employee Insurance
Abbreviated Title Disabled Employees
Volume Human Resources
Responsible Office Human Resources
Originally issued
Revised December 2007

Policy Statement

Employees who become permanently and totally disabled may be allowed to continue group health & life insurance benefits under certain conditions. The time period for such continued coverage and extent to which the University System will participate in the continued cost of the coverage is dependent on the years of continuous service of the employee at the time of the disability.

Reason for Policy

This policy authorizes institutions to provide insurance to disabled employees under certain conditions.

Entities Affected By This Policy

All units of the University System of Georgia are covered by this policy.

Who Should Read This Policy

All employees within the University System of Georgia should be aware of this policy.

Contacts

Contact Phone e-mail/URL
Associate Vice Chancellor for Total Rewards 404-962-3248 karin.elliott@usg.edu
Institution Chief Human Resources Officers See University System HR Officer Listing at http://www.usg.edu/hr/officers/

Website Address for This Policy

None

Definitions

These definitions apply to these terms as they are used in this policy:

  • Board of Regents: The governing body of the University System of Georgia

  • Disability: When the employee meets the Social Security Administration and/or TRSGA definition of a disability and is receiving Social Security/TRSGA benefits due to disability

Overview

Two types of Coverage shall be available

  1. Employees who become permanently and totally disabled and who have less than 9.5 years of continuous benefited service with the University System shall remain eligible for group health and life insurance benefits for a maximum of twelve (12) consecutive months following the receipt of the required documentation of a disability. The University System shall continue to pay the employer portion of the cost of group insurance for disabled employees for this twelve (12) month period.

    Participation in the group healthcare plan may continue after the 12-month period under the provisions of the Consolidated Omnibus Budget Reconciliation Act of 1986 (“COBRA”). University System participation in the cost shall cease. The terms and conditions of COBRA participation that are described in the University System of Georgia’s healthcare summary plan documents shall apply.

    Continued participation in the group life insurance program is not covered by the provisions of COBRA. Participation in the group life insurance program may continue after the twelve (12) month period; however, University System participation in the cost shall cease.

  2. Employees who are deemed to be permanently and totally disabled following 9.5 years of continuous benefited service with the University System are considered retirees under BOR Policy Manual regarding Retirement Policy and therefore shall remain eligible for group health and life insurance benefits. The University System shall continue to pay the employer portion of the cost of group insurance for these retirees (BOR Policy Manual regarding Insurance Policy).

Eligibility in the group plans will cease for reasons including, but not limited to, the following:

  • Failure to remit premiums in a timely manner;
  • A dependent child no longer meets the definition of a “qualified dependent” under the plan’s provisions;
  • The dependent becomes covered by another group health plan; and/or
  • The plans cease to be offered to employees (BOR Minutes, August 2005).

Responsibilities

The responsibilities each party has in connection with the Policy on Disabled Employees Insurance are:

Party Responsibility
Associate Vice Chancellor for Life and Health Benefits Ensure compliance with policy.
Institution Chief Human Resources Officers Ensure compliance with policy.

Forms

None

Appendices

None