FSU and Gabor Financial Solutions are pleased to announce a special open enrollment for Group Long Term Disability Insurance. This special open enrollment will run from February 13, 2023, through April 14, 2023. 

FSU’s Group Long-Term Disability Insurance Overview:
During this special open enrollment, eligible FSU employees may enroll in Group Long Term Disability Insurance without medical underwriting. 

This valuable coverage, offered by Gabor Financial Solutions in partnership with The Standard Insurance Company, provides employees with an inexpensive way to protect a portion of their income if they become disabled. This benefit is unique to FSU employees and is not part of the State administered benefits offered during the State of Florida’s annual open enrollment period. 

Additional Features:

• Replaces 60% of your income tax-free to a maximum of $15,000 per month payable until your Social Security Normal Retirement Age (SSNRA).
• Pays an additional 11% towards an annuity contract if disabled for more than 12 months.
• Benefits begin after either 30 or 90 days, according to your chosen elimination or waiting period. 
• Covers 80% of income up to a maximum of $20,000 until your SSNRA for "catastrophic disability."
• Includes a Lifetime Benefit of 60% of your income to a maximum of $15,000 monthly starting at SSSNRA in the event of "catastrophic disability."
• Available through convenient payroll deduction.

*Eligibility applies to all faculty and full-time staff in a benefits-eligible position or part-time employees with .50 FTE or higher in a benefits-eligible position.
How to Enroll:  

• Enroll Online
• Contact Gabor Financial Solutions:
  • Phone: (850) 894-9611 or (800) 330-6115
  • Email: info@gaborfs.com

1  If you elect the 30-day plan, benefits from day 30 to day 90 will be paid on a weekly basis to a maximum of $3,462 under a Short-Term Disability policy. After 90 days of disability, benefits are paid monthly through a Long-Term Disability plan as described above.

2  Social Security Normal Retirement Age means your normal retirement age under the Federal Social Security Act, as amended. Please reference the open enrollment brochure for the maximum benefit schedule for participants over age 62.

3  A "catastrophic disability" is one that causes the loss of at least two of six Activities of Daily Living or a severe cognitive impairment. Catastrophic loss benefits pay after 90 days of disability and must occur while you are eligible for disability benefits