Short-Term Disability*


Make sure your paycheck is protected when you are unable to work due to a disability.

Surgery, having a baby, or even an illness can keep you away from work. Short-Term Disability insurance may give you the financial support you need to pay your expenses until you are back on your feet and back to work. This insurance provides you with a weekly cash benefit to help pay for expenses (such as mortgage/rent, utilities, childcare, or groceries) if you are unable to work for a short time due to a covered disability.


You may be eligible for Short-Term Disability insurance as an active, dues-paying member of PEF.1 *NYS employees are not eligible for New York Disability Benefits Law coverage, therefore this insurance program may be of interest to you!

How does it work?

You have the opportunity to buy affordable protection that may provide you with a weekly benefit once your claim is approved. This replacement income can help you manage your expenses without relying solely on vacation days, sick pay, or your savings to stay on track with your expenses.

How much do I need?

You choose the benefit option that best fits your needs. Your Short-Term Disability benefit payments are not subject to federal income tax and will not be reduced by other income even though you may be entitled to sick leave or have other insurance coverage.


Important points to consider:

  • Get a weekly check—after your claim is approved—that replaces a portion of your income while you recover from a covered disability.
  • Begin receiving benefits in as soon as one day for—injury and eight days for sickness—from the date you are unable to work. You must be under the care of a legally qualified physician. Benefits are not payable for disabilities caused by, contributed to by, or resulting from a pre-existing condition for the first 12 months (six months for Members 65 and older) following the effective date of insurance or an increase in insurance.
  • A pre-existing condition is one for which an insured has received medical treatment, consultation, care, or services, including diagnostic measures or prescribed drugs or medicine, within the 3 months prior to his or her effective date of insurance or increase in insurance. Please refer to your certificate for additional details.
  • Receive a weekly check for up to 26 weeks—as long as you are still unable to work due to a covered disability.
  • No Short-Term Disability benefit is payable for any Total Disability that is due to:
    • intentionally self-inflicted injuries;
    • a war, declared or undeclared, or any act of war;
    • your active participation in a riot or insurrection;
    • or your participation in a felony.
  • Provide your survivors with a lump sum benefit if your death occurs while you are eligible to receive a net monthly benefit and your total or partial disability has continued for 14 consecutive days.

To learn more about Short-Term Disability insurance, call PEF Membership Benefits Program at 518-785-1900, ext. 243, Opt. 2, or 800-342-4306, ext. 243, Opt. 2.

How to Enroll:

If you are a New Employee (on the job less than 120 days) in the PS&T (Professional, Scientific & Technical) Unit, you may enroll with no medical questions asked1.

  • You must join PEF before enrolling in any one or more insurances. Join PEF Now.
  • If you are a PEF member already, simply complete the enrollment form and mail it back to:

PEF Membership Benefits Program
10 Airline Drive, Suite 101
Albany, NY 12205

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PLEASE NOTE: You have up to 120 days from your first day of employment to complete and submit the PEF Membership Application and the insurance enrollment form in order to get coverage with no medical questions asked1. If we do not receive your applications within 120 days, you will need to complete the Medical Questionnaire/Evidence of Insurability (below).

Current, Active Employees (on the job more than 120 days) in the PS&T unit:

  • If you are not yet a PEF member, Join PEF Now.
  • If you are a PEF member already, simply complete the enrollment form and mail it back to:

    PEF Membership Benefits Program
    10 Airline Drive, Suite 101
    Albany, NY 12205



You will need to complete an Evidence of Insurability Form if:

  1. You did not elect insurance in your first 120 days of employment with the PS&T unit.
  2.  If you are increasing coverage on an existing insurance policy.
  3.  If a PEF MBP representative requests that you complete and EOI form.


If downloading and completing the insurance enrollment application and the medical questionnaire, return both to PEF MBP at:
PEF Membership Benefits Program
10 Airline Drive, Suite 101
Albany, NY 12205

For more information: Call the Membership Benefits Program at (518) 785-1900, ext. 243, Opt. 2, or (800) 342-4306, ext. 243, Opt. 2. You may also email Membership Benefits Program.


1If you decline coverage during your initial eligibility period and want to elect coverage or increase coverage at a later date, you are required to complete and submit an Evidence of Insurability application, which must be approved by Sun Life prior to coverage taking effect. For additional information, contact the PEF Membership Benefits Program.
The rates shown above include PEF Membership Benefits Program Administrative Fees.
This product web page is intended to provide an overview of the benefits available from PEF Membership Benefits Program and is not a complete description of plan provisions. Review of this product web page does not certify eligibility for benefits under this plan. For complete plan details, including limitations and exclusions that may affect benefits, please refer to your certificate.
The group policy provides disability income insurance only. It does not provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Windsor, CT) under Policy Form Series 13-GP-LF-01, 13-LF-C-01, 13-GP-LH-01, 13-ADD-C-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 07-NYSL REV 7-12, GP-A, GC-A, 12-GP-SD-01, 13-SD-C-01, 12-GP-01, 12-AC-C-01, 12-GPPort-01, 13-LFPort-C-01, 13-ADDPort-C-01, 12-STDPort-C-01, 12-ACPort-C-01 and 13-SDPort-C-01.
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