Long Term Disability Plan

LTD provides a monthly benefit if you are unable to perform your regular job (during the first two years of your disability) or any reasonable job (after two years of disability) for the University due to illness or injury.

Summary Plan Description (pdf) 

LTD Plan Benefit

•  Enrollees must file an LTD claim and meet the following criteria before the receiving the benefit:

•  absent from work for six months of continuous disability, and

•  use all accumulated sick, vacation, and personal floating holiday time

•  Provides 60% of an employee's last working University salary

•  Maximum benefit of $11,500 per month.

•  The maximum benefit period depends on your age at the time you begin receiving disability benefits.

• If the benefit commences at age 60 or younger, benefits will continue until an individual qualifies for Social Security income.
• If the benefit commences at age 61 or older, benefits will continue for five years.

Social Security Coordination : The University requires faculty and staff who apply for the LTD benefit to also apply for Social Security Disability Income (SSDI). The Benefits Division will coordinate the University's LTD benefit payments with SSDI benefit payments.

Enroll in LTD

•  Participation in this plan requires that you are at least 24 years old and have one year of service.

•  Employees are automatically enrolled upon hire or initial benefits eligibility and coverage will automatically begin one year from their original benefits effective date.

•  The one year waiting period can be waived by submitting a completed Service Waiver form to the Benefits Division within 31 days of hire.

•  Individuals may enroll in LTD during Open Enrollment or within 31 days of a qualifying change in family or employment status; evidence of good health is required. Pre-existing conditions will not be covered for up to one year.

•  LTD coverage may only be dropped during Open Enrollment or within 31 days from the date of a change in family or employment status.

Monthly Premiums

Contributions deducted are subject to income tax and both Medicare and social security taxes.

Multiply your annual salary rounded to the nearest $100 by the premium rate for your age bracket as shown at above.

File an LTD Claim

•  Ask your physician to complete a claim form.

•  Submit the completed form to the Benefits Division.

•  The Office of Risk Management, which serves as the Claims Administrator, reviews the claim.

•  A Risk Management representative may contact your physician directly to clarify or seek additional information.