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Long-Term Disability Insurance

Who is Eligible?

Long-Term Disability (LTD) Insurance coverage is available to all permanent full-time employees (including temporary, full-time faculty with at least an academic year contract), or permanent, part-time employees (including temporary, part-time faculty with at least an academic year contract) who are scheduled to work every pay period for at least 50 percent of full-time.

Benefits elected within the first 31 days of eligibility will be issued without evidence of good health.  If you wish to elect at any other time, evidence of good health will be required.

How much coverage can I get?

  • Option 1, 180-day waiting period - $0.0017 per $100 of monthly covered earnings
  • Option 2, 90-day waiting period - $0.0021 per $100 of monthly covered earnings

LTD Insurance Brochure


This plan pays up to 60% of your monthly covered earnings offset by retirement benefits, workers' compensation, social security, and paid leave.  Your benefits will never be less than either $100/month or 10% of your monthly covered earnings, whichever is greater.


Programs offered with enrollment in LTD:
Cigna Benefit
Discounts of up to 60% on health and wellness services, including smoking cessation, diet programs, fitness centers, massage, chiropractic care and acupuncture.
Extensive services including resolution kit, proactive notification to creditors to cancel accounts/credit cards and ongoing one-on-one assistance.
Simple, online, self-service support for estate planning, will preparation, power of attorney and medical authorizations for minors.
Money coaching program to personally assist, advice and teach participants new money habits.


Forms and Information

 Evidence of Insurability Forms