Long-Term Disability Insurance
Human Resources Policy: 30.027Employees who become disabled while employed at Brown may be placed on a Long-Term Disability (LTD) Leave of Absence and receive certain benefits under the University's Long-Term Disability Insurance plan. Refer to the Leaves of Absence policy #30.024 for additional details regarding a LTD Leave of Absence.
Eligibility for Long-Term Disability Insurance Coverage
Employees are eligible for coverage under the Long-Term Disability Insurance plan after working at least 67% time (1300 hours per year) for one year of continuous service. Absence from work on Short-Term Leave cannot be counted towards the above time requirement. Eligibility requirements may differ for employees who were covered by a previous employer's LTD plan.
Long-Term Disability Insurance Benefits
Long-Term Disability Insurance benefits start when the employee's physician certifies that the employee has been disabled for at least 180 days. When employees' claims for Long-Term Disability Insurance benefits are approved by the University's LTD carrier, the employees receive 60% of their salary (up to $7,500 per month with a minimum of $100 per month). This benefit is offset by any other supplemental income, such as Workers' Compensation, Social Security, etc. In addition, the LTD carrier continues Brown's normal contributions to the employees' retirement accounts plus the employee mandatory 2% (as applicable). Employees are eligible to continue health and/or dental insurance by paying the full group-rate premium. If the employee was disabled under Workers' Compensation, certain additional benefits may be available.
Employees may elect to continue voluntary group life insurance during a Long-Term Disability Leave by paying the required premiums.
This policy provides a brief summary. Please contact the Benefits Office for furtherinformation and consult the Long-Term Disability Insurance contract, which is thebinding document.