Long-term disability (LTD) insurance is mandatory and provided by the university at no out-of-pocket cost to faculty or staff.
The LTD insurance policy provides 60 percent salary replacement coverage for regular faculty and staff members who hold a 50 percent time or greater appointment and 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:
- If not working, perform the majority of the material duties of your normal job or
- If working, earn more than 80 percent of your indexed pre-disability earnings
After the two-year period immediately following the date of disability:
- If not working, perform the majority of the material duties of any job that reasonably fits your background and training or
- 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 depends on 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.