How do I enroll in or make changes to disability coverage?

To enroll or move to a shorter waiting period
If you did not enroll in Supplemental Disability when you were first eligible, you may apply to enroll through the Statement of Health process (see below). Your application is subject to review by the insurance carrier and may be approved or denied.

The cost of coverage is based on your age, salary rate and the waiting period you choose. The insurance premium calculator on the At Your Service website can help you calculate the monthly cost for the different waiting periods.

If you are already enrolled in Supplemental Disability and wish to shorten your waiting period, you must also apply through the Statement of Health process, which the carrier can approve or deny.  If you wish to lengthen your waiting period, you may do so at any time.

Statement of Health (SOH) Process for Disability Insurance (to enroll outside of Period of Initial Eligibility (PIE) or to shorten your waiting period)

To initiate the SOH process, complete a UPAY 850 and submit it to the Benefits Office.

  • Section 1: complete all requested information
  • Section 2: check the box for Statement of Health
  • Section 4 Supplemental Disability: check whether the action is to enroll or change waiting period, and check the box for your chosen waiting period
  • Sign and date form

Upon receipt of a completed UPAY 850 form, the Benefits Office will send you an Evidence of Insurability form for you to complete and submit directly to the disability insurance carrier.  After completing their review (generally 4-6 weeks), the carrier will notify you and the Benefits Office of their decision. If your request is approved, the Benefits Office will process the enrollment/change upon receipt of the carrier approval.

To move to a longer waiting period
If you are already enrolled and wish to move to a longer waiting period, you may do so at any time. complete a UPAY 850 and submit it to the Benefits Office.

  • Section 1: complete all requested information
  • Section 2: write "Change waiting period" in Comments
  • Section 4 Supplemental Disability: check action box for "Change Waiting Period", and check box for your chosen waiting period.
  • Sign and date form

Please be aware that Supplemental Disability premiums are paid at the end of the month (arrears), so approved changes will generally not appear until the month following the enrollment or change.