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Long-Term Disability Insurance

What is Long-Term Disability Insurance?

Accidents and illness can have serious financial consequences for you and your family.  Long Term Disability (LTD) insurance, offered through UNUM Life Insurance Company of America, provides financial protection to you at a reasonable cost.  LTD insurance pays you a benefit if you are unable to work because of a disabling injury or illness.  Benefits continue as long as you meet the plan's definition of disability or you reach the plan’s age limit. 

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Plan Document

Need more Information? Review our plan booklet.

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Eligibility

Eligibility is determined by type of appointment and FTE (full time equivalency).

  • Staff or visiting faculty: FTE of 75% or greater*
  • Faculty member (AAUP-represented or COM MED Faculty): FTE of 65% or greater

You can change your LTD choice during UC’s Annual Enrollment in November.  Enroll through your ESS (Employee Self Service) Account.

You cannot change your LTD election during the year even if you have a Qualified Status Change.

No physical is required for coverage.

* Post Docs and Interns are not eligible for LTD insurance.

Coverage Options

LTD options available:

  • Waive coverage
  • 60% after 6 months plan:
    • Plan covers 60% of your gross monthly UC income after a 6 month waiting period of disability.
    • Includes an additional account benefit deposited into a flexible premium deferred annuity account established and maintained by you. 
    • Maximum monthly benefit is $4000/month.
  • 65% after 4 months plan:
    • Plan covers 65% of your gross monthly UC income after a 4 month waiting period of disability.
    • No additional annuity account included.
    • Maximum monthly benefit is $4000/month.
  • Supplemental Long Term Disability Coverage - available to employees earning more than $80,000 in annual base pay
    • 60%after 6 months plan:
      • Plan covers 60% of your gross monthly UC income after a 6 month waiting period of disability
      • Includes an additional account benefit deposited into a flexible premium deferred annuity account established and maintained by you.
      • Maximum monthly benefit is $20,000/month
    • 65% after 4 months plan:
      • Plan covers 65% of your gross monthly UC income after a 4 month waiting period of disability.
      • No additional annuity account included.
      • Maximum monthly benefit is $20,000/month

Costs

Non-AAUP Represented Employees

  • You and the university share the cost of LTD insurance (unless you waive coverage). You pay your share of the cost with after-tax contributions from your UC pay. The cost of coverage is based on your annual base pay and the plan you select.
  • You will pay the full cost of Supplemental LTD coverage.
  • If you receive LTD benefits, part of your disability benefit will be taxable.

AAUP Represented Employees

  • You pay the full cost of your LTD insurance (unless you waive coverage). You pay with after-tax contributions from your UC pay. The cost of coverage is based on your annual base pay and the plan you select.
  • If you receive LTD benefits, your LTD benefit will be non-taxable as you paid for this coverage with after-tax dollars.

Supplemental Plan:

  • Cost of coverage based on annual base pay above $80,000 is age-based.
  • You pay the full cost of the Supplemental plan.

View the Employee Contributions page.

Important Information and Features

Certain limits apply to the LTD plans including:

  • Your LTD benefit is based on your gross monthly income from UC in effect just prior to your date of disability.  For LTD benefit purposes, your pay does not include commissions, bonuses, overtime pay, shift differential or any other extra compensation.
  • The LTD plans limit benefits for pre-existing conditions.  A pre-existing condition is an injury or illness diagnosed or treated within six months prior to and 12 months after the effective date of coverage.
  • The LTD plans limit disability payments for mental illness to a maximum of 24 months, unless you are hospitalized. 
  • LTD benefits are paid for a specific period during which you are unable to perform the essential functions of your own job.   
  • Your LTD benefit will be reduced by the amount received from other sources of income (Social Security, Worker’s Compensation, government plans, including a state retirement plan, etc.).  In any case, your monthly benefit from this plan will never be less than $50.

LTD and your retirement plan choice:

  • If you are enrolled in either the OPERS or STRS Retirement plan, you may have disability benefits available to you.  This will depend upon the retirement plan that you have chosen within OPERS or STRS.  Contact your OPERS or STRS for more information:
  • If you are enrolled in the grandfathered TIAA/Fidelity/Vanguard, the OPERS/STRS Defined Contribution plans, or the Alternative Retirement Plan (ARP) you do not have a disability retirement provision in your retirement plan.
  • UNUM, not UC, reviews medical documentation at the time an LTD claim is filed and makes the determination regarding eligibility for LTD benefit payments.

 

Long-Term Disability
FAQs

Click below for frequently asked questions regarding Long-Term Disability.

Have More/Specific Questions?

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