Short term disability and long term disability insurance

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Life & Disability
Short and Long Term Disability

Short Term Disability

VMware provides Short Term Disability (STD) benefits in accordance with statutory requirements. Disability is defined as inability to work as the result of sickness.

Eligibility

All regular employees of VMware are eligible for Short Term Disability (STD) benefits.

Waiting Period

Short Term Disability (STD) benefits will be payable on the first day of sickness or disability.

Benefits

Short Term Disability Benefits

Time Disabled	Percentage of Your Salary
First Year	100%
Second Year	70%

Long Term Disability

VMware provides WGA-Gap and WIA-excess Insurance. The definition of disability is based on the WIA legislation.

Eligibility

All regular employees of VMware are eligible for WGA-Gap and WIA-Excess insurance.

Waiting Period

WGA-Gap and WIA-Excess benefits will be payable after 104 weeks.

Benefits

In the event that you should become disabled, you will receive a top-up benefit to your payments from Social Insurance programs.
The WGA-Gap insurance covers the shortfall in income if you remain disabled between 35 – 80% after two years of illness and using less than 50% of your residual capacity. You will receive a benefit of up to 70% of your former salary.
The WIA-excess insurance covers shortfalls in your income to 70% of salary above the Social Security WIA wage ceiling.

Enrollment

You are automatically enrolled in the Long-Term Disability insurance.

Contributions

VMware pays 100% of the premium costs for the WGA-Gap and WIA-Excess insurances.

When Coverage Begins

Coverage will begin on your first day of active work as a VMware employee.

When Coverage Ends

Coverage will end on the last day of your employment with VMware although an individual insurance solution is available which terminating employees can chose to purchase.

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Last Updated: 2 Jan 2022, 11:26 AM

Disability Services

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Government and Local Disability Programs
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Veterans Disability Benefits
Your Legal Disability Rights

Find information about health care coverage including Medicare and Medicaid. Also, learn about workplace disability insurance, compensation benefits for disabled veterans and Social Security benefits for people with disabilities.

Short-Term and Long-Term Disability Insurance

If you can't work because you are sick or injured, disability insurance will pay part of your income. You may be able to get insurance through your employer. You can also buy your own policy.

Types of Disability Policies

There are two types of disability policies.

Short-term policies may pay for up to two years. Most last for a few months to a year.
Long-term policies may pay benefits for a few years or until the disability ends.

Employers who offer coverage may provide short-term coverage, long-term coverage, or both.

If you plan to buy your own policy, shop around and ask:

How is disability defined?

When do benefits begin?

How long do benefits last?

How much money will the policy pay?

Federal Disability Programs

Two Social Security Administration programs pay benefits to people with disabilities. Learn about Social Security Disability Insurance (SSDI) and Supplemental Security Insurance (SSI).

If you have a disability, Social Security Disability Insurance and Supplemental Security Income may help financially. To find out if you’re eligible for either program, use the Benefit Eligibility Screening Tool.

Definition of Disability

To qualify for either program, you must meet SSA’s definition of disability:

You’re unable to do substantial gainful activity (work)
Your disability is expected to last for at least one year or result in death
Your impairment is on Social Security’s list of disabling medical conditions

Social Security uses a step-by-step process to decide if you have a disability.

Social Security Disability Insurance (SSDI) is for people who have become disabled after earning enough Social Security work credits within a certain time.

Your spouse or former spouse and your children may be eligible for benefits when you start getting SSDI.

How to Apply for SSDI

You can apply for SSDI benefits online, by phone, or in person.

If your application is approved, you’ll have a five-month waiting period for benefits to start.
If your application is denied, you can appeal the decision.

Supplemental Security Income (SSI)

Supplemental Security Income (SSI) is for people with disabilities or who are 65 or older with little to no income and resources. SSI is not Social Security. Although the names sound similar and the Social Security Administration runs the program, it does not fund SSI.

How to Apply for Supplemental Security Income (SSI)

Adults can apply for SSI by phone, in person at a local Social Security office, or in some cases online. To apply for SSI for a child, you can start the process online but will need to complete it either in person or by phone.

You can appeal If your application is denied.
Explore a listing of SSI topics to learn more detailed information.

Working While Receiving SSDI or SSI

Whether you receive SSDI or SSI, you may be able to work without it impacting your benefits if you earn less than a certain amount. You can find all the details in the booklet Working While Disabled: How We Can Help.

Health Insurance and Health Resources for People with Disabilities

Find information about health insurance and resources for people with disabilities.

Health Coverage for People With Disabilities

If you have a disability, you have three options for health coverage through the government.

Medicaid provides free or low-cost medical benefits to people with disabilities. Learn about eligibility and how to apply.
Medicare provides medical health insurance to people under 65 with certain disabilities and any age with end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant). Learn about eligibility, how to apply and coverage.
Affordable Care Act Marketplace offers options to people who have a disability, don’t qualify for disability benefits, and need health coverage. Learn about the Marketplace, how to enroll, and use your coverage.

Health Resources for People With Disabilities

Federal, state, and local government agencies and programs can help with your health needs if you have a disability.

Explore the Disability and Health section of CDC.gov for articles, programs, tips for healthy living and more.
Learn more about benefits for people with disabilities from the Social Security Administration.
Contact your local city or county government to find out what medical and health services are available locally for people with disabilities.
Your state social service agency can help you locate medical and health programs.

Visit USA.gov’s Government Benefits page to learn more about government programs and services that can help you and your family.

VA Disability Compensation Benefits

Veterans who have a service-related injury or illness may be entitled to VA disability compensation. It’s a tax-free monthly benefit.

Visit VA.gov to learn:

Which conditions qualify you for benefits

How the claims process works

How to file a VA disability claim
How to appeal a decision you disagree with. The process changed in February 2019.

Survivors of veterans may receive compensation benefits in certain situations.

Last Updated: August 10, 2022

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What is difference between long term and short term disability?

Short term disability is intended to cover you immediately following a serious illness or injury, and long term disability insurance is intended to maintain income replacement if your condition keeps you out of work past the end of your short term disability benefit period, even to retirement, depending on your plan.

Is long term disability the same as SSD?

Individual long-term disability insurance Also called LTD, this type of policy is for the same kinds of long-lasting disabilities covered by SSDI – but it may be considered easier to qualify for, and the benefit amount could be much more generous, depending on the policy and circumstances.