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Disability - Postdoctoral Associates
Eligibility
Post Doctorial Associates with an appointment of half-time or more are automatically enrolled in the Long-Term Disability Base Plan at no cost to employees on base salaries up to $150,000.
Benefit
Under the Base Plan, on the first of the month following 180 days (6-month elimination period) of total disability, Post Doctorial Associates are entitled to receive 60% of their base monthly earnings to a maximum of $7,500 minus any other payments received, such as Workers’ Compensation or Social Security disability payments.
Post Doctorial Associates participating in Supplemental Disability Coverage (see below) have an additional maximum of $12,500 of coverage. The monthly benefit will not be less than $100.
The insurance carrier for this coverage is The Standard Insurance Company.
Supplemental Coverage
Post Doctorial Associates with base annual salary levels between $150,000 and $400,000 may purchase supplemental disability coverage on a payroll deduction basis. The maximum monthly benefit is $20,000 ($7,500 of base benefit plus $12,500 of supplemental coverage). Enrollment is automatic when first eligible without evidence of insurability (with ability to opt out anytime).
Supplemental Long-Term Disability (LTD) Calculator
To estimate your monthly premium rate, visit the Supplemental Long Term Disability Calculator and enter your annual salary.
Application Process
To apply for LTD, please call 203-432-5552, press option #4. You will need the Group Plan Number, which is #642971.