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Disability Insurance Plans

Short-Term Disability (STD) Insurance Plans

All California employees, except student employees, are required to participate in a state disability plan. USF employees are automatically enrolled in USF’s Voluntary Disability Insurance (VDI) Plan but can elect State Disability Insurance (SDI) if preferred. The differences between these plans are outlined below.

Voluntary Disability Insurance (VDI) Plan

From their date of hire, USF employees are automatically enrolled in USF’s California state-approved private Voluntary Disability Insurance (VDI) Plan, which is a partial wage-replacement insurance plan, for short-term disability. Faculty and staff contribute through a required payroll deduction.

You are eligible to receive VDI benefits after a seven-day waiting period of a qualified accident or illness or pregnancy disability. The plan pays 60% of your current earnings.

California State Disability Insurance (SDI) Plan

The Disability Insurance Branch of the California Employment Development Department (EDD) administers the state’s disability insurance plan. State Disability Insurance (SDI) is a partial wage-replacement insurance plan for California workers. Comparison of SDI and VDI:

State Disability Insurance (SDI) Voluntary Disability Insurance (VDI)
Administered by the State of California Administered by USF
Payroll deduction of 0.9% of salary
(max $939.40 per year)
Payroll deduction of 0.9% of salary
(max $939.40 per year)
Pays 55% of salary up to maximum of $1,104.00 per week Pays 60% of salary up to maximum of $1,104.00 per week
Benefit rate based on earnings over past 18 months Benefit rate based on current earnings
Benefit duration up to 52 weeks Benefit duration up to 52 weeks

For more detailed information, see the 2015 Voluntary Disability Plan Summary of Coverage and the 2015 California Voluntary Disability Notice.