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Yes. The monthly benefit is reduced by other forms of income such as temporary disability insurance, workers’ compensation, retirement benefits (regardless of the type of retirement income), and Social Security benefits. The minimum amount you will receive from the LTD plan is 10% of your gross monthly benefit (66 2/3% of salary) or $100 per month.
No. Since you pay 100% of the premiums for LTD, the benefits are not taxable.
Look on you pay check stub under the “deductions” column. If you see an entry called “DISBLTY INS” you are enrolled.
The monthly benefit is 66 2/3 % of your monthly gross salary reduced by other forms of income, up to a maximum of $5,000 per month.
Monthly Salary $6,000
66 2/3% $4,000/month
Social Security - $1,800/month
LTD Benefits $2,200/month
Up to a maximum of 24 months.
For disabilities occurring prior to age 60, benefits will be paid to age 65; if 60 or older, benefits will be payable for 12 to 60 months depending on age when disability occurs.
LTD benefits are payable after you have been disabled for 90 days.
Yes, as long as you were covered for at least 12 consecutive months. Please note that if you leave the University due to retirement, conversion is not allowed.
No. This is a unique feature of the plan. You may continue to be paid sick days while collecting LTD benefits.