Long-Term Disability Insurance
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General Information and Forms LTD Booklet Certificate (PDF) Application for LTD Income Benefits (PDF) Additional Life/LTD Benefits through The Hartford including Travel Assistance, Will Preparation, etc. |
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Helpful Sites |
Overview of Long-term Disability Insurance Benefits
Your LTD benefit provides a monthly income benefit equal to a percentage of your monthly wage base. Benefits begin after six months of permanent and total disability and are offset by other income benefits associated with your disability including but not limited to, Social Security Benefits and Worker's Compensation. The medical rates for persons receiving LTD benefits are subsidized by the university. The university covers the cost of any existing life insurance coverage. If you were participating in the retirement plan at the start of your disability, The Hartford contributes up to 15% of your last day of work salary to your retirement funds.
To apply for the long-term disability benefit, contact Total Compensation and Wellness at (313) 577-3717.
The long-term disability income benefit is 66-2/3% of your base salary to a maximum benefit of $7,000/month.
Eligibility
Long-term disability insurance coverage is effective on the first of the month following one year of 1/2-time or greater service. The waiting period may be waived with prior group long-term disability coverage.