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. LTD benefits commence after six months of continuous disability and after all accumulated sick, vacation, and personal floating holiday time is used. The plan provides 60 percent of your last working University salary up to a maximum monthly benefit of $11,250. The maximum benefit period depends on your age at the time you begin receiving disability benefits. Participation in this plan requires that you have completed one year of eligible service at the University and are at least 24 years old. Employees who do not elect or actively waive participation in this plan when first eligible are automatically enrolled.

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.

Duration of LTD Benefits

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

Summary Plan Description  

Monthly Premium Rates

Frequently Asked Questions

Enrollment and Claim Forms