Skip navigation - Jump to main content
UWHR to launch new website at end of July! Learn more about the upcoming launch.

Long-Term Disability (LTD) Optional Insurance
Faculty, Staff & Librarians — Benefits Summary

If information in this chart differs from information in the Long Term Disability Plan Book, the plan book will prevail.

Definition of Disability First 24 months: inability to perform the material duties of your own occupation due to a sickness, injury, or pregnancy.
Thereafter: you are unable to perform the material duties of any gainful occupation for which you are reasonably able through education, training, and/or experience.
Monthly Benefit 60% basic monthly UW appointment salary (maximum insurable salary is $400 per month basic, $10,000 per month optional).
Benefit Offsets Benefits can be reduced by amounts received from Workers Compensation, Social Security, retirement, earnings paid by your employer, or other group coverage.
Disability Caused by HIV Covered, subject to the pre-existing condition clause.
Drug Addiction/Alcoholism Maximum 24-month benefit period.
Mental and Nervous Disorders Maximum 24-month benefit period unless confined to hospital.
Pregnancy/Delivery Covered, unless pre-existing condition.
Working While Disabled Yes, if schedule is reduced due to disability. Additional Return to Work Incentive available once receiving LTD Benefit.
Cost of Living Benefit Yes
Pre-Existing Conditions Definition: A pre-existing condition is one for which you have consulted a physician, received medical treatment or services, or taken prescribed drugs or medication during the 90 days preceding the effective date of coverage.
Coverage for such a condition would be available after insurance is in effect for 12 consecutive months, if you are actively at work at least one full day after the end of the 12-month Exclusion Period.
Waiting Period Options: 30, 60, 90, 120, 180, 240, 300, 360 days.
Maximum Benefit Period Normal benefits to age 65; duration of benefits decreases progressively from age 65 to 69. After age 69, maximum is 12-month duration of benefits.
Monthly Premiums Premiums are a percent of pay and vary with waiting period and retirement plan eligibility.
Exclusions War; intentionally self-inflicted injury while sane or insane.
Death Benefit If you are receiving benefit payments at time of death, survivor benefits could continue for a maximum amount of three times your monthly LTD Benefit.
Dependent Coverage No
Conversion Privilege After UW Employment Ends No
Name of Insurance Company Standard Insurance Co.
900 Southwest Fifth Ave.
Portland, OR 97204
More Information For specific details about the plan, refer to the Long Term Disability Plan Book.

Insurance Topics