Other Core Benefit Programs


You have the option to enroll in the Group Long-Term Disability Insurance Plan. It provides a monthly income to you if you suffer a Total Disability resulting from an accident or illness. You and the College share the premium cost of this benefit based on your annual salary. The College pays all the expense of coverage associated with the first $7,200 of your annual salary.


  All benefits-eligible employees may apply for group long-term disability insurance. You are eligible to apply and become insured on your first day of employment. If you do not apply within 31 days of the date you are first eligible, you will need to submit a Statement of Health Form for consideration and approval. The insurance carrier may decline to extend coverage to late enrollees.


  When you enroll in the plan, the Human Resources Administrator will inform you of your cost. Your share is automatically deducted from your paycheck on an after-tax basis.

Qualifying for a Benefit


Benefit payments will begin on the first day of the month after three months of continuous total disability unless you are still receiving wages from the College. If so, your disability benefits will be payable after the month in which you received your last wages.

Total Disability means that you:

  are continuously unable, for the first 39 months of the disability, to perform your normal occupation;
  are continuously unable, after the first 39 months of the disability, to perform any gainful occupation for which you are reasonably suited by education, training or experience.
  You will not be paid for benefits if your disability is caused by a self-inflicted injury, your commission of or attempt to commit a crime, or war. Also, you may not be eligible to receive a benefit if your disability is due to certain physical conditions which existed before you were covered by this Plan.



The monthly benefit is calculated as 60% of your base monthly wage not to exceed a benefit of $4,000 per month. This amount is reduced by the amount of any other monthly benefits you may be receiving, such as Worker's Compensation or Social Security.

Monthly disability payments will continue until you are no longer disabled, or until you reach certain age limits. Please see your LTD insurance certificate for details.

Survivor Benefit

  Under certain conditions, if you die while receiving disability income under this Plan, your beneficiary may be eligible to receive continuing payments. These payments would equal the monthly income benefit you received in the month you died, and could continue for up to six months after your death, if you had been totally disabled for at least twelve months.

When Coverage Ends

  Your coverage ends on the date the policy terminates, the date you are no longer eligible or when you are no longer actively at work. You will not remain covered by the policy if you do not make the required contributions. Check with the Human Resources Administrator to determine when your coverage ends if you are not actively at work because of a leave of absence or a total disability.
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