Long-term Disability Insurance
Safeguard your family’s lifestyle in the event you become disabled and unable to work.
If you suddenly became disabled and couldn’t work, would your family be able to manage your finances?
For many, this is a real concern. That’s where long-term disability (LTD) insurance comes in. It’s here to help protect your income and give you peace of mind, so if life takes an unexpected turn, you’ll still be able to meet your financial needs and take care of what matters most.
What is the LTD benefit?
The monthly LTD benefit is based on your regular predisability earnings from the University. Your monthly LTD benefit is 60% of the first $8,000 of your predisability earnings, as defined in the group insurance policy, reduced by deductible income.
Predisability earnings do not include bonuses, overtime pay, commissions, shift differential pay, your employers contributions on your behalf to any deferred compensation arrangement or pension plan, or any other compensation.
Download the LTD Insurance Plan brochure for more details.
Long-Term Disability overview
This coverage is guaranteed if applied for within the new hire enrollment period or at your eligibility date.
| Provider | Standard Insurance Company |
| Contact Information | William Morris Group 4400 Old Canton Road, Suite 240 Jackson, MS 39211 (800) 346-7146 |
| Eligibility | Benefits-Eligible Employees |
| Coverage | There are 2 plan options: 90-day or 180-day plan. The plan type determines the length of time an employee is required to wait before receiving benefits. Subject to plan exclusions and limitations, a participant may be entitled to a percentage of monthly income for temporary, permanent, partial or total disability. |
| Cost | Cost varies by election. |
| Premium | The premium is based on the employee’s age and selected plan type. |
Contact the HR Service Center
If you have a question, need help, or are dealing with an HR problem, the HR Service Center is here for you. Whether it's about benefits, pay, leave, insurance, tuition waivers, or anything else, our team of experienced HR Service Coordinators is ready to get you the answers you need as quickly as possible.
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