Long-Term Disability

The Long-Term Disability Insurance is mandatory, and is provided by the University at no out-of-pocket cost to faculty or staff.

The University Disability Insurance plan provides 60% salary replacement coverage for regular faculty and staff members who hold a 50% time or greater appointment and who become disabled while actively employed. 

Definition of Disability

Disability and Disabled mean your inability, soley and directly because of sickness and injury:

a. During the first two years immediately following the date of disability

  1. if not working, to perform the majority of the material duties of your normal job; or
  2. if working, to earn more than 80% of your indexed predisability earnings

b. After completion of the two-year period immediately following the date of disability

  1. if not working, to perform the majority of the material duties of any job that reasonably fits your background and training; or
  2. if working, to earn more than the applicable percentage of your indexed predisability earnings.

NOTE: The amount a staff member receives under these programs is reduced by any benefits paid by Social Security and/or Workers' Compensation.  Benefits continue for as long as a faculty or staff member remains disabled up to a certain age.  The length of the disability payment is dependent upon the individual's age at the time of disability.  A cost of living provision not to exceed 5% in any given year is part of this plan.

Additional Information/Forms

Benefits Office

Campus address
120 USB
U.S. mailing address
The University of Iowa
University Benefits Office
120 University Services Bldg.
Iowa City, IA 52242-1911
Monday-Friday 8am-5pm

Frequently Asked Questions

Upon approval, LTD benefits will begin approximately 30 days following the 90 working day waiting period or the exhaustion of sick leave, whichever is greater.  The waiting period begins the day after your last day at work or when you reduce your hours.  Principal Life Insurance will send you a letter notifying you of approval and the exact date of your first payment.

It can take from 6 to 12 weeks for a Principal Life Insurance claims analyst to review the claim for a decision.

Principal Life Insurance will review the claim.  The decision is based on whether or not you meet the definition of disability as defined in the contract the University of Iowa has with Principal.  Basically, disability is defined as the inability to perform the duties of your normal job as a result of a sickness or injury.