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Benefits and Insurance at CCU


DISABILITY AND LEAVE

State Long Term Disability

The Basic Long Term Disability (BLTD) plan, administered by Standard Insurance Company, is an employer-funded disability plan provided by the State. This BLTD plan is designed to help you protect a portion of your income if you become disabled. You must be an eligible employee covered under the state health plan to be eligible for this benefit. The BLTD plan has a 90-day benefit waiting period. Your monthly basic long- term disability benefit is 62.5 percent of your base salary, reduced by deductible income, up to $800 maximum benefit per month. The maximum benefit period is to age 65 if you become disabled before age 62.

Supplemental Long Term Disability

The Supplemental Long Term Disability (SLTD) plan, administered by Standard Insurance Company, is an employee-funded disability plan. It is designed to provide a financial cushion if you become disabled. You can apply for this plan if you are a benefits eligible employee. Your benefit will be based on a percentage of your pre-disability earnings from Coastal as of the preceding Jan. 1. The SLTD plan has an option of either a 90-day benefit waiting period or a 180-day benefit-waiting period. No benefits are paid during this period. You can enroll in the SLTD program within 31 days of eligibility without providing a statement of good health. If, however, you do not enroll within 31 days after you first become eligible, you will have to provide a statement of good health and be approved to become insured by Standard Insurance Company. You may enroll with medical evidence of good health any time throughout the year.

Your SLTD benefits will be reduced if you receive or are eligible to receive income from other sources. Deductible income includes: sick pay or other salary continuation, primary and dependent Social Security benefits, Workers’ Compensation, BLTD benefits, other group disability benefits, and maximum plan retirement benefits. The South Carolina Retirement System requires application for disability benefits while still in service or prior to termination of employment.

If you die while SLTD benefits are payable, the Standard will pay a lump sum survivor’s benefit to your eligible survivor. This benefit will be equal to three months of your SLTD benefit, unreduced by deductible income.

Retirement Disability

A member of SCRS may be approved for disability retirement benefits from SCRS only if the member has first been approved for disability benefits from the federal Social Security Administration, which generally requires an incapacity to perform any gainful occupation.

Family and Medical Leave (FMLA)

To be eligible for Family and Medical Leave (FMLA), any University employee must have worked for the state for at least 12 months, and have worked at least 1,250 hours during the twelve (12) months’ period prior to the request for FMLA leave, including “on-call” hours, and is employed at a worksite where 50 or more employees are employed by the employer within 75 miles of that worksite. State government is considered a single employer for the purpose of determining FMLA leave.

An eligible employee will be granted up to a total of 12 weeks of FMLA leave, in each calendar year, for any of the following reasons:

  • For the birth of a son or daughter and to care for that child;
  • For placement of a son or daughter for adoption or foster care with the employee;
  • To care for the employee’s spouse, son, daughter or parent with a serious health condition because of a serious health condition that makes the employee unable to perform the functions of the employee's job;
  • Any qualifying exigency arising out of the fact that the employee's spouse, son, daughter or parent is a covered military member on “covered active duty;” or
  • Twenty-six work weeks of leave during a single 12-month period to care for a covered service member with a serious injury or illness if the eligible employee is the service member’s spouse, son, daughter, parent or next of kin (military caregiver leave).

An eligible employee requesting FMLA leave must give thirty (30) days of advance notice to the employer of the need to take unpaid FMLA leave when the need for leave is foreseeable. When the need for leave is not foreseeable, such notice must be given as soon as practicable. The use of FMLA leave will be subject to verification. The University may require that an employee’s request for FMLA leave to care for the employee’s seriously ill spouse, son, daughter or parent, or due to the employee’s own serious health condition, be supported by a certification issued by the health care provider.

Eligible employees will be required to substitute their accrued sick leave for unpaid FMLA leave when the FMLA leave request qualifies for sick leave usage, or an eligible employee may elect to substitute accrued annual leave for unpaid FMLA leave.

All eligible employees may request up to 12 weeks of unpaid leave due to a serious health condition, or for the birth or adoption of a child, or to care for a spouse or family member with a serious health condition. Payment during the leave depends on availability of annual leave or sick leave.

Disability Leave Without Pay

For an extended period of disability due to illness, injury or maternity, exceeding the amount of accrued sick leave, the employee may apply for leave without pay which, along with any paid leave that has been taken, will not exceed 180 days. The written request for leave without pay will specify inclusive dates. The request will not be denied for bona fide illness or disability for permanent employees. The leave without pay will be granted with reinstatement privileges to the same position or one of a comparable grade for which the employee is qualified. Coastal Carolina University requires a physician’s certificate or other acceptable documentation verifying the disability and giving the projected inclusive dates of disability prior to approval. Dates set forth in the physician’s certificate can be amended by the physician. Coastal Carolina University may require additional documentation from the physician issuing the certificate, may secure additional documentation from the physician issuing the certificate or may secure additional medical opinions from other physicians. As long as the disability is certified by a physician, the amount of leave authorized will not exceed:

  • 180 calendar days of combined leave with pay and leave without pay, or
  • 180 working days of leave with pay.

Otherwise, the employee will forfeit reinstatement privileges and be separated from State service. In extenuating circumstances, the President or his or her designee, at his or her discretion, may extend the period of leave to a total of 365 days.

The employee will have the option of using or retaining accrued annual leave prior to Disability Leave Without Pay. The employee will use all sick leave before going on Disability Leave Without Pay status unless the President or his designee, at his or her discretion, grants an exception at the employee’s request.

To request Leave Without Pay for Illness or Disability, the eligible employee will complete an Application for Leave Without Pay form and have their physician complete a Certification of Health Care Provider. These forms are available in CCU's Office of Human Resources and Equal Opportunity. For more information, please contact the Benefits Office at CCU.