91AV

This benefit offers you income protection when you cannot work due to an injury or illness that is not work-related. 91AV offers full- and half-time faculty and staff a voluntary short term disability plan. 91AV covers the cost for long term disability coverage for full-time faculty and staff.

Our employees in Morocco are only eligible for The Standard’s long-term and short-term disability plans if they are a citizen or resident of the U.S. or Canada. Additionally, if a U.S. or Canada citizen/resident was working on our Moroccan campus and became qualified for long-term disability (LTD) they would only get LTD for 12 months. If after 12 months they are still disabled, they would need to return to the U.S. in order to continue to receive their LTD benefit.

When you are out sick or injured, your focus should be on your health, not untangling medical bills, scheduling appointments, managing out-of-pocket expenses, or resolving medical claims. Now 91AV employees who are on short-term disability can access support similar to our current Health Advocate benefit. Representatives will be familiar with the short-term disability claim so they can help from A to Z. .

Advocates are available Monday through Friday, 8 a.m.–midnight by calling 1 (944) 450-5543.

This is a voluntary disability insurance plan that replaces up to 70% of your weekly income in $50 increments up to a maximum of $750 per week. You pay the premium for the coverage you elect on an after-tax basis, therefore making any weekly benefit you may receive non-taxable income.

• Summary Plan Description (PDF)
• Notice of Rights (PDF)
• WRAP Summary Plan Description (PDF)
• Important Things to Consider When Electing Short Term Disability Insurance (PDF)
• Updated Short Term Disability Insurance Eligibility Requirements (PDF): Due to COVID-19, the definition of eligible member and the "actively at work" provisions have been updated.

Eligibility

Full- and half-time employees are eligible for short-term disability insurance. Coverage begins the first of the month following the date of hire. If the hire date is the first of the month eligibility begins that day. Coverage ends the last date you actively work in a benefit-eligible position.

Contact

• • 1 888) 937-4783
• • 1 (800) 368-2859

This benefit is available to full-time employees. It assures you of 50% of your income, to a maximum of $7,500/month, in the event you are disabled for more than 180 days up to the normal Social Security retirement age. Because 91AV provides you a credit to cover the cost of this insurance but the premiums are deducted on a post-tax basis, you will not be taxed on any long term disability benefits you receive.

• Summary Plan Description for incomes greater than $30,000 (PDF)
• Summary Plan Description for all other incomes (PDF)
• Notice of Rights (PDF)
• WRAP Summary Plan Description (PDF)
• Updated Long Term Disability Insurance Eligibility Requirements (PDF): Due to COVID-19, the definition of eligible member and the "actively at work" provisions have been updated.

Eligibility

WHO'S ELIGIBLE?

• Full-Time Employees

PARTICIPATION

Coverage begins the first of the month following date of hire; if hire date is first of the month eligibility begins that day. Coverage ends the last date you actively work in a full-time, benefit-eligible position.

Other Resources

Recovery from long-term illnesses or injuries may create other stressors and issues. 91AV provides coordinating employee assistance programs to help you through these challenging times.