Disability Insurance

While most of us do not expect to become disabled and unable to work, it is important to be prepared for the possibility of an extended absence from work.  Becoming disabled can have a devastating impact on your family and your financial obligations if you are unable to work.

Short-term Disability Insurance

Short-term disability insurance provides you with income protection when an injury, illness, or pregnancy results in your continuous disability.  Upon hire, you are automatically enrolled in the UST Short-term Disability Plan.  This benefit is provided by UST to eligible employees at no cost.

Short-term disability and FMLA administration are administered through Sun Life, which specializes in reviewing, approving, processing and tracking short-term disability and FMLA leave requests with the oversight of expert medical and legal staff.

You can file a claim over the phone or online.  To begin the process of filing a claim, please contact Sun Life and FMLASource in one of the ways below:

  • Phone:  877-SUN-LIFE (877-786-3652)
  • TDD:  800-697-0353
  • Fax:  877-309-0218
  • Online:  https://fmla.sunlife-usa.com  (Your employee number is your UST ID number.)

Be sure to have your medical provider's information (i.e. doctor information, fax, and phone number) readily accessible as this information will be needed when submitting your claim.

Long-term Disability Insurance

Long-term disability insurance provides you with income if you are continuously and totally disabled for more than six months (180 days).  Upon hire, you are automatically enrolled in the UST Long-term Disability Plan.  This benefit is provided by UST to eligible employees at no cost.