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Long Term Disability
Long Term Disability Insurance
On the first day of the month following three consecutive full months of employment, the College provides all regular employees with long term disability insurance coverage. Employees who were covered within three months before hire under a similar plan may have the waiting period waived. Under this plan, employees are assured of replacement of a substantial portion of income when faced with long-term illness or injury. Please see the short-term disability section for illnesses or injuries of less than six months. The plan provides benefits for both partial and full disability. A disability is defined as an injury or illness that prevents an employee from performing the substantial duties of his or her own occupation. Benefits are payable for up to 24 months. After 24 months, benefits may be available to employees fully disabled, or unable to perform the substantial duties of any occupation for which they may be qualified by education, training or experience. After certification of the disability by the insurance carriers, the Plan provides the following benefits after 180 days of disability:
- A monthly income of 60% of basic annual salary as of the date of disability (less any income from other sources), to a maximum benefit of $10,000 monthly. The minimum benefit is $50/month, regardless of other sources of income.
- If eligible, service credit toward the calculation of benefits from Staff Retirement Plan for employees with a vested benefit.
Other Disability Insurance ProtEction
- The continuation of core, basic and matching contributions to a TIAA-CREF annuity in accordance with the terms of the retirement plan.
- Continuation of life insurance benefits at the level of coverage at the time of disability until age 70 with insurance company approval.
The above benefits continue during such disability until age 65 or, for disabilities beginning after age 60 but less than age 65, for a period of 4.5 years; at age 65 but less than 68.5, until age 70; or, if age 68.5 or older, a maximum of 12 months.
Except when a reasonable accommodation to extend leave may be warranted, normally an employee will be separated from the College after six months of absence. Therefore, employees who are partially or fully disabled should also apply for Social Security benefits during the fourth month of disability if it is anticipated that the disability will last for more than six months.
Health insurance benefits may be continued at the same premium level as active employees for up to two years from the effective date of the first disability payment or until the person is no longer disabled, whichever comes first. For the next five (5) months, coverage may be continued at full premium cost. After two years of disability payments, the individual becomes eligible for Medicare.