Long-Term Disability Insurance
If you're a benefits-eligible employee you may participate in the long-term disability insurance. Coverage is optional and completely paid by you. The university doesn't contribute to this benefit.
This is one of the most important insurance plans offered to employees. Long-term disability provides income replacement if you are ever disabled due to an illness or injury. If your claim is approved, the plan would pay 60% of your salary up to a maximum of $12,025 per month (including offsets, such as Social Security, retirement annuities, or any other disability benefit) after a 90-day waiting period or until all of your sick leave is exhausted, whichever is longer. Generally, the benefit may continue until a maximum age of 65 or until you are no longer considered disabled. Mental health and substance abuse benefits are limited to 24 months.
Social Security, certain retirement annuities, or any other disability benefits may offset coverage. If your offsets equal 60% or more, the plan would still pay a minimum benefit of $100 per month.
- Plan provider's website
- Long-Term Disability Certificate [PDF]
- Long-Term Disability Benefits Highlights [PDF]
- Long Term Disability Claim Forms
- Frequently Asked Questions
- Guidance Resources
- Travel Resources
- Dearborn Forms
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