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
- if not working, to perform the majority of the material duties of your normal job; or
- 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
- if not working, to perform the majority of the material duties of any job that reasonably fits your background and training; or
- 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.