Disability insurance provides you and your family with important financial protection if you become disabled. This valuable benefit is at no cost to you.
Disability coverage is in addition to the university’s income protection plan, which allows staff members to draw from their sick leave balance up to a maximum of 26 weeks within any 12-month time period for personal medical leave, depending on the accrued balance. Disability benefits are subject to offset from other sources of income and are taxable when paid.
Short-term Disability Coverage
Exempt and Non-Exempt Staff (Category 2 & 3)
Short-term disability coverage provides you and your family with financial protection if you are temporarily unable to work as the result of an illness or non-work related injury. Staff are eligible after 90 days of service. After 14 days of disability, this coverage pays 50 percent of salary up to a maximum of $400 per week. The benefit covers up to 26 weeks of disability.
Long-term Disability Coverage
Long-term disability (LTD) coverage provides you with financial protection if you are ever unable to work for an extended time period as the result of an illness or injury. If you are disabled for more than 180 days, you receive 60 percent of your pay, minus any primary Social Security payments, workers' compensation and other group long-term disability benefits. The maximum monthly benefit is $6,000; the minimum monthly benefit is $100.
Long-term disability payments continue until:
- your disability ends,
- you begin working,
- your death or
- you attain age 65.
Payments may continue beyond age 65 if you become disabled at age 60 or later—refer to the following timeline:
|Age at Disability||Maximum Benefit Period|
|Less than age 60||To age 65 (but not less than 60 months)|
LTD coverage is in addition to the university's income protection plan, which allows staff members to draw from their balance up to a maximum of 26 weeks within any 12-month time period for personal medical leave, depending on your accrued balance. LTD benefits are subject to other sources of income and are taxable when paid to you.