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.
Life and Disability Insurance Booklet (pdf) contains more detailed information.
Promotional/educational message from Principal (including information on additional personal disability insurance)