It's reassuring to know that you can protect a portion of your income when illness or injury prevents you from working. If you have any questions, please call Employee Benefits and Services Division at 1.909.387.5787, your Payroll Specialist, or Met Life at 1.877.638.8269 or
Met Life Customer Service: 1.877.638.8269
Effective July 18, 2020 the County of San Bernardino is switching protected leaves and disability insurance providers from The Standard Insurance Company to MetLife Insurance Company.
For Short-Term Disability (STD) claims with a disability start date prior to 12:00am July 18, 2020, you can file with Standard Insurance Company via phone at 1.844.239.3560 or via their website at www.Standard.com, For claims with disability a start date of July 18, 2020 or later, you can file with MetLife Insurance Company.
If you filed a claim with Standard prior to July 18, 2020, Standard will continue to pay the STD benefit until the end date of your claim. However, effective July 18, 2020 all protected leaves (FMLA/ E-FMLA, CFRA, PDL) will be transitioned to and administered by MetLife. If you have both a disability and a protected leave claim running concurrently, you will be required to notify both carriers on your leave status.
How the Plan Works
The County provides you with Short-Term Disability (STD) benefits in the event of a non-work related illness or injury that requires you to be off work more than seven (7) consecutive days. After you satisfy a waiting period of
7 consecutive calendar days you will generally receive a normal weekly benefit equal to 55% of your base weekly earnings, not to exceed established amounts.
Your base weekly benefit may be reduced if you receive or are entitled to receive other disability payments, such as State Disability Insurance (SDI).
Access the STD calculator.
Employees must meet the eligibility requirements specified in their Memorandum of Understanding (MOU), Exempt Compensation Plan, Contract or Salary Ordinance.
Coverage under the plan is automatic.
Integration of Benefits
Plan benefit payments may be fully or partially integrated with other paid time including, but not limited to:
- Sick leave
- Vacation leave
- Holiday leave
- Regular work hours
You may not receive more than 100% of your base weekly earnings. You may subject to recovery for the amounts over 100% of base salary if:
- You elect to fully integrate plan benefit payments with other paid time, all benefits and accruals will apply as if you were receiving your full regular pay
- You elect NOT to fully integrate plan benefit payments with other paid time (or you are not eligible to do so), all benefits and accruals will take into account only paid time recorded
You may also elect not to integrate any other paid time with plan benefits. All benefits and accruals will be administered in accordance with the applicable MOU, Exempt Compensation Plan, Contract, or Salary Ordinance.
State Disability Insurance (SDI)
The STD Plan replaces State Disability Insurance (SDI). However, you may be eligible to receive SDI benefits if you meet either of the following conditions:
- You participated in SDI at any time within the 18 months immediately prior to enrollment in the STD Plan
- You have a second job that participates in SDI
If you are covered under SDI, you may apply for SDI benefits and provide a copy of the SDI determination letter to The Standard, the County's disability provider. The STD benefit will be reduced by the amount of the SDI benefit you are eligible for or currently receiving. If the SDI benefit amount is greater than the allowable STD benefit amount, a weekly minimum benefit of $25.00 will be payable.
Filing a Claim
Here's what you need to do:
- If possible, let your supervisor know about your leave 30 days in advance.
- No later than your fourth day of absence, contact your department payroll specialist to obtain County required paperwork.
- Call MetLife, the County's disability provider, at 1.877.638.8269, or file online at https://mybenefits.metlife.com.
- You must complete and submit a
STD and FMLA Filing a Request Instructions and Form (coming soon), which includes:
You can obtain an STD and FMLA Packet from your department payroll specialist.
When Coverage Ends
Your insurance will terminate on the earliest of:
- The date the Group Insurance Policy terminates
- The date the Group Insurance Policy no longer insures your class
- The date of the last period ends for which a premium contribution was made for your insurance
- The last date of the pay period coinciding with or next following the date cease to be an active full-time employee in an eligible class
For More Information
For more information about the Short Term Disability program, review the plan documents for the following groups: