Short and Long Term Disability

VMware provides Short Term and Long Term Disability Insurance coverage to you at no cost. Short Term and Long Term Disability benefits replace a portion of your pay if you become ill, injured, or disabled and are unable to work. These plans provide you valuable income protection and can help you and your dependents when you truly need it. The disability benefits you receive under the plan are taxable. If you choose, you can pay the taxes on the premiums now rather than later when the benefits are paid. For this option, select the “cost taxable” button when enrolling online.

Short Term Disability (STD)

Short Term Disability (STD) provides wage replacement benefits of 70% of pay per week, offset by any state mandated disability plans or Workers’ Compensation, for your certified medical disability. Benefits begin after 7 days following your injury or illness. During the waiting period, 5 business days of accrued Sick Time must be used. Short Term Disability (STD) covers a maximum payment period of 25 weeks.

California employees default to VMware’s Voluntary Disability Plan in lieu of the California State Disability Insurance (SDI) plan. VMware’s Voluntary Disability Plan pays 70% of pay tax-free per week. Nicira employees in California will default to the SDI plan.

As a VMware California employee you can opt out of the VMware plan to be covered under the SDI plan through the California Employment Development Department. Please understand the state disability insurance plan is limited to 55% of wages. If you wish to opt out of VMware’s Voluntary Disability Plan, email HR Source to complete and remit an “opt out” form if you wish to be in the SDI plan.

For more information on STD see the Short Term Disability Summary Plan Document (SPD).

Long Term Disability (LTD)

The Long Term Disability benefit is provided through CIGNA and coverage begins the date your STD payments end or 180 days following your injury or illness. LTD provides a benefit equal to 60% of your monthly income. The minimum monthly benefit is $100 or 10% of your gross disability payment, whichever is more. The maximum monthly benefit is $15,000.

Benefits stop if you reach the end of the maximum benefit period, shown below:

Maximum Benefit Period

Age at Start of Disability When Benefits End
Under Age 60 to age 65, but not less than 5 years
60 after 60 months of benefits
61 after 48 months of benefits
62 after 42 months of benefits
63 after 36 months of benefits
64 after 30 months of benefits
65 after 24 months of benefits
66 after 21 months of benefits
67 after 18 months of benefits
68 after 15 months of benefits
69 or older after 12 months of benefits

For more information on LTD see the Long Term Disability SPD.

California State Disability Insurance (SDI)

California State Disability Insurance (SDI) is another source of income replacement for California residents. You should find out whether you and/or your family qualify for disability payments from other sources, such as Social Security benefits, if you become disabled:

  • If you are eligible, your STD benefits may be reduced/offset by the amount you receive or are eligible to receive from the other sources
  • VMware’s disability coverage will work with other income sources (including workers compensation, Social Security, and other state-mandated disability benefits) to provide a combined benefit coverage

You may continue to receive as much as 60% of your pre-disability income from all sources combined.

Contact Us

Short-Term Disability: Sedgwick
Phone 1-866-251-1749


Long-Term Disability: CIGNA
1-800-781-2006
Visit website

Resources

California State Claim
California State Disability Insurance (SDI)
LTD Overview
LTD SPD
LTD Summary
STD SPD
VMW California VDP Benefit Rate & Limit Changes 2017
VMW California VDP Plan Document 2017