Current Provider: UNUM

Visit unum.com

The university provides eligible employees (at no cost) a Long-Term Disability (LTD) plan. The benefit provides income protection of 60% of stated regular base salary (up to $160,000 annually/maximum benefit $8,000 per month) during an extended medical leave resulting from a serious illness or injury. Employees do not need to enroll. The insurance company pays this benefit directly to the employee.

ELIGIBILITY

Regular full-time and part-time faculty and staff may file a new claim for LTD after completing 6 consecutive months of active employment and benefits-eligible service.

Full-time Faculty are defined as a regular or visiting faculty member who works 100% of the required full-time workload. Part-time faculty are defined as a regular or visiting faculty member who works 50% or more but less than 100% of the required full-time workload.

Regular full-time staff employees are defined as benefits-eligible employees who regularly work either 37.5 or 40 hours per week and regular part-time employees are defined as benefits-eligible employees who regularly work at least 20 hours per week but less than 37.5 hours per week.

Employees are eligible to file a claim when they are unable to perform the duties associated with their own occupation for a 180-day elimination period in a 12-month period.

DESCRIPTION OF BENEFIT

Long-Term Disability benefits begin after:

  • 180 days of disability.
  • Approval of Claim. The insurance company is responsible for approval or denial of LTD claims. An employee is considered disabled when Unum determines that:
  • they are limited from performing the material and substantial duties of their regular occupation due to their sickness or injury; and
  • have a 20% or more loss in indexed monthly earnings due to the same   sickness or injury.
  • Must be under the regular care of a physician in order to be considered disabled.
  • The loss of a professional or occupational license or certification does not, in itself, constitute disability.
  • Unum may require an examination by a physician, other medical practitioner and/or vocational expert of our choice. Unum will pay for this examination. Unum can require an examination as often as it is reasonable to do so. Unum may also require you to be interviewed by an authorized Unum Representative.
  • Benefits are subject to maximum periods of payment depending on your age at disability. See SPD for further detail.

FILING A CLAIM

Staff:
If an employee has an open STMD claim, an LTD claim will be automatically set up if they are not able to return to work after STMD benefits end.

Employees can contact Unum at 866-371-5723 from 7:00am to 7:00pm CST.

For foreseeable qualifying events, eligible employees must notify their supervisor and UNUM at least 30 calendar days in advance of the start date of the leave. If advance notice is not possible, employees must notify their manager and Unum as soon as they are aware of the need for a leave.

Employees must provide required documentation to the insurance company.

Faculty:
Please contact Peggy Heck after 3 months of medical leave to receive an application if the leave is expected to continue beyond 6 months.

MISCELLANEOUS

Benefits eligibility continues and employees remain financially responsible for the cost of benefits (which are billed monthly) while on LTD.

If an employee was contributing to the Retirement Savings Plan immediately prior to becoming disabled, the University’s contribution to the 403(b) will be paid directly to the Retirement Savings Plan account by the insurance company. The amount of the contribution is based on the contribution formula in effect at the time of the disability claim approval. The amount of the contribution is calculated on the regular base rate of compensation paid immediately before becoming disabled.

Holidays do not extend the leave period or augment pay.

Sick and vacation do not continue to accrue. Employees are not eligible to utilize sick leave while on LTD.

See the summary plan description for more information.

If anything herein is in conflict with the Plan Document, the Plan Document supersedes.

The University reserves the right to modify this policy in whole or part at any time.