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Long-Term Disability (LTD) Insurance
for Faculty, Staff & Librarians

CONTENTS


UNDERSTAND

Basic LTD Insurance

Long-term disability (LTD) insurance replaces a portion of your income if you are unable to work due to illness or injury. The basic UW-paid coverage has a 90-day waiting period and pays a maximum benefit of $240 per month. Eligible employees are automatically enrolled in the basic coverage at no cost (the UW pays their premiums).

Amount of Coverage Available

The optional, employee-paid coverage, when combined with the basic plan, offers a tax-free benefit of 60% of the first $10,000 (per month) of your pre-disability earnings.

Optional LTD Insurance

Optional Plan benefits include a retirement supplement feature, so the premium rate you pay is determined by both the waiting period you select and the retirement plan in which you participate.

View this page to review a chart of some of the key features on our LTD contract.

View this page to calculate your Optional Plan LTD premium.

Contract Definition of Disability

ACT

Enroll in Optional Long Term Disability

  1. Identify the plans that are available for your employment type.
  2. Review the Long Term Disability Enrollment Guide.
  3. Use the LTD enrollment form.
  4. Determine premiums and select a waiting period that meets your needs..
  5. If necessary, complete the medical questionnaire on the form. (Newly hired or newly insurance-eligible PEBB employees requesting the optional coverage within their first 31 days of eligibility may enroll with no proof of insurability. You may also apply any time after your first 31 days, but evidence of insurability is required. If the insurance company requests a physical, it is at your expense.)
  6. Return the form to the Benefits Office.

The coverage will be effective either the first day of the following month, or after review and approval by the insurance company, if required.

File a Claim

EXPLORE

Insurance Status During Leave

You may continue to receive the UW's contribution to your employee insurance package if you are on an approved leave, and;

Note that you must pay the employee medical and life insurance premiums, if any.

If you are not eligible for continued UW-paid coverage, and want to keep your insurance, review information on self-pay to continue your benefits.

LTD
Insurance Topics

Faculty and Staff on 9- through 10-month Appointments:
Your coverage under the University-paid PEBB insurance package of medical, dental, basic life, and basic long term disability will continue through the summer months provided that you return to eligible pay status in September. Read more.