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.
Who is Eligible?
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 - $0.18 per $100 of monthly covered earnings
Option 2, 90-day waiting period - $0.22 per $100 of monthly covered earnings
Programs offered with enrollment in LTD:
- My Secure Advantage
Will preparation, identity theft and money coaching services.
Forms and Information
- LTD Enrollment Form
- LTD Claim Form
- Program Certificate
- Instructions for Filing an LTD Claim Electronically
Evidence of Insurability Forms