Long Term Disability
LSU partners with UnitedHealthCare to provide affordable Long Term Disability (LTD) coverage to protects the financial security of you and your family. The ability to earn an income is something to be cherished and protected – disabilities happen, and they happen more frequently than most think. Can you afford to be disabled?
What is a Disability?
Disability is defined in the UnitedHealthcare contract with your employer. The Covered Person is Disabled or has a Disability when We determine that:
- You are not Actively at Work and are unable to perform some or all of the Material and Substantial Duties of your Regular Occupation due to your Sickness or Injury; and
- You have a 20% or more loss in Indexed Pre-Disability Monthly Earnings due solely to the same Sickness or Injury; and
- You are under the Regular Care of a Physician.
Watch Now! Long Term Disability Brainshark: A customized multimedia presentation designed to inform and educate eligible employees about their UnitedHealthcare benefits. Watch this short video from UnitedHealthcare about the benefits they provide LSU employees!
How long do I have to wait before I can receive payment?
You must be disabled for at least 90 days and have exhausted your sick leave before you can receive a Long Term Disability Insurance benefit payment.
What If I Can Work During My Disability?
Total disability is not required during the waiting period. You can continue to work periodically for up to 45 days without beginning the waiting period again.
How long will my disability payments continue?
For as long as you remain disabled, or until you reach your Social Security Normal Retirement Age (as stated in the 1983 revision of the United States Social Security Act), whichever is sooner. If your disability occurs at age 60 or above, your payments may be reduced.
Disability must begin while the Covered Person is insured under the Policy. After 24 months of payments, the Covered Person is Disabled when We determine that due to the same Sickness or Injury, you are unable to perform some or all of the material and substantial duties of any Gainful Occupation for which you are reasonably fitted by education, training or experience and you continue to suffer a 20% or more loss in Indexed Pre-Disability Monthly Earnings due solely to the Sickness or Injury.
More information can be found in the LTD Summary of Benefits.