Long-Term Disability Insurance

Long-term disability insurance is mandatory and provided by the university at no out-of-pocket cost to faculty or staff.

Long-term disability insurance provides 60 percent salary replacement coverage for regular faculty and staff members who hold a 50 percent time or greater appointment and who become disabled while actively employed. 

Definition of Disability

Disability and disabled describe an inability—solely and directly because of sickness and injury—to:

During the first two years immediately following the date of disability:

  1. If not working, perform the majority of the material duties of your normal job or
  2. If working, earn more than 80 percent of your indexed pre-disability earnings

After the two-year period immediately following the date of disability:

  1. If not working, perform the majority of the material duties of any job that reasonably fits your background and training or
  2. If working, earn more than the applicable percentage of your indexed pre-disability 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 percent in any given year is part of this plan.

Additional Information/Forms

Contact Information

University Benefits

Fax
319-335-2776
Campus Address
120 USB
Mailing Address

120 University Services Building
Iowa City, IA 52242-1911
United States

Hours
Monday-Friday, 8 a.m.-5 p.m.