Long-Term Disability (LTD) Insurance

Eligibility

Regular employees scheduled to work a minimum of 30 hours per week (at least 75% full-time) are eligible to enroll in the Long-Term Disability insurance.

Enrollment

  • The Plan provides a monthly income benefit if you become disabled and cannot work. If you meet the definition of disability, benefits will begin 120 days following an accidental injury or sickness.
  • To enroll, choose the level of benefits you prefer. The level of coverage you choose determines your premium.
  •  You must enroll within the first 31 days of employment, without showing proof of insurability. If you wish to enroll later, a health questionnaire is required and subject to approval by the disability company.

The Charts below are a glimpse of the complete information. You will receive complete information during orientation.

Faculty and Exempt Staff

Plan AA Plan A Plan B Plan C
70% 66 2/3% 63% 60%
$0.333 $0.280 $0.238 $0.219
*3% COLA *3% COLA *3% COLA *3% COLA

*Faculty and Exempt Staff Only- COLA (Cost of Living Adjustment): A Cost of Living Adjustment benefit equal to 3% multiplied by and added to your monthly benefit after 12 months of benefits will be payable every year that you remain totally disabled. 

Non-Exempt Staff Only

Plan 0 Plan 1 Plan 2 Plan 3 Plan 4
50% 60% 60% 63% 63%
$0.223 $0.318 $0.348 $0.366 $0.418

No cost of

living increase

No cost of

living increase

**Cost of

Living Adjustment

No cost of

living increase

*Cost of 

Living Adjustment

**Non-Exempt Staff Only- A Cost of Living Adjustment benefit equal to 3% multiplied by and added to your monthly benefit after 24 months of benefits will be payable every year that you remain totally disabled. 

The Long Term Disability packets and enrollment forms contain complete information including how to calculate your monthly premium. This information will be distributed at orientation.