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Lunch-n-Leaves Disability & Leave Services. Topic #2 State awards: What are they When do they happen Why do they cause an overpayment ?. Voluntary Plan Basics. What is a “Voluntary Disability Insurance Plan”?

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Lunch n leaves disability leave services

Lunch-n-LeavesDisability & Leave Services

Topic #2

State awards:

Whatare they

Whendo they happen

Whydo they cause an overpayment?


Voluntary plan basics
Voluntary Plan Basics

  • What is a “Voluntary Disability Insurance Plan”?

    • Private short-term disability coverage plan only for California resident employees

    • Legal alternative to the mandatory State Disability Insurance (SDI)

    • Effective 1/1/2004 includes Paid Family Leave (PFL) known as Family Temporary Disability (FTD) at Stanford

  • Why is it called “Voluntary”?

    • Because employees can choose to opt out of the VP and participate in SDI instead

DLS Lunch-n-Leaves 3/18/2011


Voluntary plan basics1
Voluntary Plan Basics

  • Legal Requirements

    • Rights under VP must be same as those of SDI

    • Weekly benefit must be the same or greater – never less

    • VP must provide at least one benefit that is greater than SDI

    • If SDI increases rights/benefits, VP must also

  • Governing Authority

    • California Unemployment Insurance Code (CUIC), Part 2

  • Administrative Authority

    • Director of the EDD has the right to issue regulations interpreting the law. These regulations are contained in Title 22, California Code of Regulations (CCR)

DLS Lunch-n-Leaves 3/18/2011


What is a state award
What is a State Award?

  • Remember the legal requirement!

    • Weekly benefit must be the same or greater – never less

  • A State Award is the SDI weekly benefit amount times 52 weeks

    • Example:

    • Impact: Stanford VP must pay at least $650 per week

DLS Lunch-n-Leaves 3/18/2011


How path of a state award
How: Path of a State Award

DLS Lunch-n-Leaves 3/18/2011


Sample 1 state award vs stanford award
Sample #1: State Award vs Stanford Award

State Award

SDI

Stanford Award

VDI

DLS Lunch-n-Leaves 3/18/2011

  • Claim Effective Date

    • 2/22/11

  • Wage Base Period

    • 9/30/09 – 9/30/10

  • Wages in Base Period

    • $87,643.64

  • Weekly Benefit @ 55%

    • $927.00 

  • Claim Effective Date

    • 2/22/11

  • Wage Base Period

    • 2/21/11

  • Wages

    • $66,975.50

  • Weekly Benefit @ 60%

    • $772.79


How does a state award cause an overpayment
How does a State Award Cause an Overpayment?

Sample “State Award” Notice

Sample Overpayment Notice

DLS Lunch-n-Leaves 3/18/2011


Sample 2 state award vs stanford award
Sample#2: State Award vs Stanford Award

State Award

SDI

Stanford Award

VDI

DLS Lunch-n-Leaves 3/18/2011

  • Claim Effective Date

    • 8/14/10

  • Wage Base Period

    • 3/31/09 – 3/31/10

  • Wages in Base Period

    • $40,500

  • Weekly Benefit @ 55%

    • $429.00

  • Claim Effective Date

    • 8/14/10

  • Wage Base Period

    • 8/13/10

  • Wages in Base Period

    • $53,450

  • Weekly Benefit @ 60%

    • $616.73 


Sample 3 state award vs stanford award
Sample#3: State Award vs Stanford Award

State Award

SDI

Stanford Award

VDI

DLS Lunch-n-Leaves 3/18/2011

  • Claim Effective Date

    • 8/14/10

  • Wage Base Period

    • 3/31/09 – 3/31/10

  • Wages in Base Period

    • $0

  • Weekly Benefit @ 55%

    • $0 

  • Claim Effective Date

    • 8/14/10

  • Wage Base Period

    • 8/13/10

  • Wages in Base Period

    • $33,247

  • Weekly Benefit @ 60%

    • $383.62 – but . . .


Vdi benefit limited to state rate
VDI Benefit Limited to State Rate

  • Refer to VP Statement of Coverage Handout

    • “Benefits will be limited to the State Plan Rate . . .”

    • Found at: http://benefits.stanford.edu/cgi-bin/health_and_life/disability/

  • Disability during first 90 days of employment

    • What if employee had never worked in California before?

  • Pre-existing illness or injury during 3 month period preceding date of hire

  • Plus a few more . . .

DLS Lunch-n-Leaves 3/18/2011


Got Questions?

DLS Lunch-n-Leaves 3/18/2011


Contact dls
Contact DLS

Manager

Patti Smilovitz 6-1196

Leave Analysts

Laurie Jarocki 4-9734 Alpha: A - G

Rubi Paredes 4-0120 Alpha: H - K

Nicole Peixoto 1-1479 Alpha: L - Q

Wendy Freeman 5-1024 Alpha: R – Z

DLS Email Address: [email protected]

DLS Lunch-n-Leaves 3/18/2011


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