2009-2010 Rates

The voluntary long-term disability coverage offered by the University is provided and administered by Standard Insurance Company (The Standard). Long-term disability insurance provides you with income if you are continuously and totally disabled for more than six months (180 days). Coverage continues as long as you are certified disabled or until you reach normal retirement age.

Note: This coverage is not available to you if you are a faculty or P&A staff member with an appointment 67% time or greater who is covered by the Faculty Disability Plan.

Long-term disability insurance can be purchased in monthly benefit amounts based on your annual salary, up to a maximum of $5,000 per month.

The minimum benefit paid under the plan will be the greater of $300 or 15% of the benefit purchased.

Pre-existing Condition Exclusion

Even though you do not need to prove you are in good health, the policy does contain a pre-existing condition exclusion. There is no coverage for any pre-existing medical condition for the first 24 months after the insurance (or increase in insurance) takes effect.

A pre-existing medical condition is any disability which is caused by or results from an injury, sickness, or pregnancy which occurred during the 12 months prior to the date your coverage began or was increased.

This exclusion also applies to disabilities which were diagnosed, or for which medical care was received, during this 12-month period.

To Enroll

You may apply for long-term disability insurance within your first 60 days of employment or benefits eligibility, or during the annual Open Enrollment period in the fall.

As a newly eligible employee or during Open Enrollment, you will make your election online using Employee Self-Service.

Making a Claim

How you make a claim for benefits depends on whether or not you are receiving Voluntary Short Term Disability benefits. 

Making a Claim

For More Information

The Standard Insurance Company