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. For the purposes of these policies, total disability means "a person is unable to perform any and every duty of his/her occupation during the first 24 months of disability due to bodily injury or sickness."  After 24 months permanent disability means "a person is unable to engage in any work or occupation for which he/she is reasonably fitted by education, training or experience and while disabled does not engage in any employment for wage or profit."

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

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.