Short-term (STD) disability benefits provide you with income protection if you are unable to work for an extended period of time due to an injury or illness. While you are absent from work, STD benefit payments replace a percentage of your weekly earnings for a specified period of time.

STD benefits are paid at 100% of your base salary for weeks one through four of your disability. If your disability lasts longer than four weeks, your STD benefit is reduced to 70% of your base salary for weeks five through 26. STD benefits end after 26 weeks, but if your injury or illness continues you may be eligible to begin receiving benefits under the IQVIA Long-Term Disability Plan.

Benefit payments under the STD Plan are reduced by other sources of income you receive (or are entitled to receive) as a result of your disability. This would include, but is not limited to, any Social Security or retirement plan disability benefits, benefits from another disability insurance plan for which you are eligible or payments you receive under a Workers' Compensation law, occupational disease law, or similar law.

A short list of these other sources of income, or "benefit offsets," can be found in "How Benefits Are Paid."

No. Unlike life insurance coverage, your STD coverage cannot be converted after you leave.