UGA's
Long Term Disability (LTD) insurance plan provides
you continuing income (under most circumstances
up to 60% of lost monthly income not to exceed $7,500)
if you are unable to work for at least 90 days as
a result of serious illness or injury. The cost
of the plan is determined by your salary and age.
Premiums for the plan are deducted from your payroll
check.
View
more details about the LTD plan (TRS participants).
View
more details about the LTD plan (ORP participants).
The LTD
plan coordinates with other income replacement plans
you may receive as a result of your disability.
LTD coordinates with other types of income benefit
plans including, but limited to, sick leave, Workers'
Compensation, Social Security Disability, and retirement
plans such as the Teachers Retirement System of
Georgia. In the event you are disabled, if you receive
at least 60% of your monthly income from one or
more of these other income benefit plans, you will
still receive $100 per month from the LTD plan.
If the other income benefit plans do not provide
you with at least 60% of your lost monthly income,
LTD will make up the difference so the plans together
provide you with 60% of your income.
How
to file a long term disability claim.
Enrollment
If you wish to apply for LTD insurance, you should
enroll
within 31 days of employment. If you do not enroll
within the 31-day period and wish to do so at
a later date, you must submit a statement of health form and be approved
by the insurance carrier.
Get the LTD statement of health form if you are enrolling outside of your first 31 days of employment.
