Voluntary Short-Term Disability Insurance (STD)

Short Term Disability (STD) insurance is designed to provide financial support in the event you are unable to work due to a temporary illness, injury, or other qualifying medical conditions.

Please note that our STD policy is voluntary, and participation is not automatic—you must opt in to take advantage of this benefit.

• Provider: Our voluntary STD policy is provided by Unum.

• Voluntary Enrollment: Participation in the Short Term Disability policy is voluntary. Full-Time employees interested in enrolling must opt in during the open enrollment period or following a qualifying life event.

• Coverage Duration: The STD policy typically covers eligible employees for up to 26 weeks, depending on specific circumstances.

• Benefit Amount: 60% of pre-disability earnings, up to $1,000 per week.

• Cost: $0.176 per $10 covered benefit.

• Waiting Period: Seven workdays must pass prior to STD benefits being paid. You may use PTO during the waiting period as wage replacement.

• Eligibility: This benefit is available to all Full-Time employees.

Voluntary STD offers two enrollment opportunities:

• At the time of hire or when you become eligible for benefits, you will have 30 days to enroll in the voluntary STD online in Bswift.

• If you’d like to sign up after the 30-day window has closed, you can enroll via Bswift. However, any pre-existing condition that existed within 3 months prior to the insured's effective date will not be covered if disability begins during the first 12 months of coverage.

• If I leave Nourish, will my voluntary STD benefit end?

  • Yes, the voluntary STD policy will terminate on the last day of the month following your termination date.