![]() However, if you are not actively at work on this date, coverage begins when you are in an active work status. If you are in a benefit-eligible position, your LTD coverage automatically begins on your first date of employment with the University. This benefit is reduced by other benefits you are eligible to receive during your disability. Your LTD benefit is equal to 65 percent of your annual budgeted salary, plus 65 percent of the most recent summer session earnings if you are an academic-year employee employed during the summer. * Benefit continues for the amount of time listed on the table or to your normal Social Security retirement age, whichever is later. If you remain unable to work from a disability that began at age 60 or older, your LTD benefits continue in accordance with the following table: Age at Disability Benefit If you are disabled and cannot work on a full-time basis, you may qualify for partial disability benefits.Īssuming you remain disabled from a disability that began before you reached age 60, your disability benefits continue until you reach your normal retirement age under Social Security. The LTD benefit period begins after a 90 calendar-day elimination period for benefit-eligible administrative and operational support, police/fire, and skilled trades staff, and after a 180 calendar-day elimination period for all other benefit-eligible faculty and staff. The plan covers both occupational and non-occupational disabilities. Long term disability (LTD) insurance provides income replacement during extended periods of disability resulting from illness or injury. This plan is currently administered by Guardian. ![]()
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