How do I get the most from my VSDP membership?
- Visit myVRS and login to your account
The VRS website provides additional information about the Virginia Sickness & Disability Program, including a VSDP Handbook and VSDP Long-Term Care Plan.
- Contact Reed Group
You must call Reed Group at 1-877-928-7021 (toll-free) as soon as possible to submit disability claims. You can also visit their website: www.reedgroup.com.
- Consult the VSDP Handbook
When does my disability coverage start?
In most cases, your disability coverage begins upon employment. If you were hired on or after July 1, 2009, your non-work-related disability coverage begins after one year of continuous employment.
Short-Term Disability
VSDP Income Replacement: Non-Work Related Disabilities
Date of Hire on or after July 1, 2009
Months of State Service |
Workdays of Income Replacement at 100% |
Workdays of Income Replacement at 80% |
Workdays of Income Replacement at 60% |
Fewer than 12 |
0 |
0 |
0 |
13-59 |
0 |
0 |
125 |
60-119 |
25 |
25 |
75 |
120-179 |
25 |
50 |
50 |
180 months or more |
25 |
75 |
25 |
VSDP Income Replacement: Non-Work Related Disabilities
Date of Hire before July 1, 2009
Months of State Service |
Workdays of Income Replacement at 100% |
Workdays of Income Replacement at 80% |
Workdays of Income Replacement at 60% |
Fewer than 60 |
5 |
20 |
100 |
60-119 |
25 |
25 |
75 |
120-179 |
25 |
50 |
50 |
180 months or more |
25 |
75 |
25 |
How does short-term disability work?
Short-term disability is an illness, injury, or other condition (ex.: surgery, pregnancy, complications from pregnancy, catastrophic or major chronic condition) that prevents you from performing the full duties of your job. The maximum short-term disability period is 125 workdays, including paid holidays. If you are still disabled after that, you may be placed on long-term disability as determined by The Reed Group.
Income replacement begins at 100% of your pre-disability income, reduced to 80%, and then 60%, depending on length of employment at the University. Check the VSDP Handbook for exact figures.
How does long-term disability work?
Long-term disability is a condition that prevents you from performing the full duties of your job for an extended period of time. VSDP's long-term benefit begins after 125 workdays of short-term disability as determined by The Reed Group.
You will receive 60% of your pre-disability income. If you are approved for work-related long-term disability, your VSDP benefit will be offset by your workers’ compensation benefit.
Cost-of-Living Adjustment: After you have been on long-term disability for a full calendar year (i.e., January 1 to December 31), you may be eligible for a cost-of-living adjustment (COLA) on July 1 of the following year.
Long-Term Disability – Working: If you can work at least 20 hours / week, but cannot perform full duties, you may be eligible for long-term disability - even while you are working. Check the member handbook for more details.
How does catastrophic disability work?
If your disability becomes catastrophic, your income will be replaced at 80% for the duration of the catastrophic event.
To qualify, you must be unable to perform at least two of these six daily activities:
- Bathing
- Dressing
- Eating
- Maintaining continence
- Using the toilet
- Getting in and out of bed and chairs
Your condition may also be considered catastrophic if you have a severe cognitive impairment (ex.: Alzheimer’s disease), and you require substantial supervision or are placed under guardianship.
How does long-term care work?
Basic VSDP Long-Term Care
- If you are enrolled in a Virginia Retirement System plan and participate in the Virginia Sickness and Disability Program (VSDP), you are covered under the Basic VSDP Long-Term Care Plan at no cost to you
- The maximum daily benefit amount is $96, with a lifetime maximum of $70,080
- Members with VSDP LTC may call 800.761.4057 to start a claim
Genworth Long Term Care
Genworth Long Term Care is not accepting any new enrollments, but it is honoring the terms of all current policies. Contact Genworth Long Term Care at 866.859.6060 for additional information.
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