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Individual Disability Insurance

Northwestern's long term disability (LTD) plan replaces 60% of income up to an annual salary of $276,000. Faculty and staff whose annual salary exceeds this amount can protect up to an additional $100,000 of income, totaling $376,000 between the Group LTD and the IDI. You are newly eligible to enroll in a Supplemental Individual Disability Income (IDI) Protection offering.  

  • Covers up to 60% of total earnings (salary plus bonus)
  • Up to $5,000/month benefit
  • Guaranteed premiums  - premiums are locked in at original purchase age
  • Up to 100% income replacement for Catastrophic Disabilities
  • Policies are issued at a significant discount and with no medical exam required.
  • Individually owned and portable should you leave Northwestern
Total earnings are based on information provided to Unum by Northwestern University.  It is based on current salary plus two years of bonus history, which is averaged. Not to exceed 60% of your total earnings. See your enrollment packet for more details. 

How to Enroll

On an annual basis, the Benefits Office will assess your initial eligibility for the plan and provide a personalized enrollment packet.  After your initial offer, you will not be sent future enrollment materials. If you wish to receive more information about this plan, please contact the Benefits Office.