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Long-Term Disability (LTD) Insurance
for Residents and Fellows

UNDERSTAND

Long-term disability insurance (LTD) replaces a portion of your income if you are unable to work due to illness or injury. This page describes the MedPlus Advantage plan sponsored by the American Medical Association (AMA). This optional LTD insurance program is available to UW Residents and Fellows, and the policy plan year runs from July 1 to June 30. As a state employee you have the option of enrolling in this plan or PEBB's optional LTD insurance, a plan available to all faculty and staff. When considering long-term disability insurance you should consider which program would be best for you before you make an enrollment decision.

Eligibility

Medical Residents and Fellows in the School of Medicine at the University of Washington are eligible for this plan.

Covered Events

Note: There is a 12-month waiting period for pre-existing conditions evident 180 days prior to enrolling.

Monthly Premiums

Monthly Benefit

Total Disability: $2,500 flat per month for the remainder of your life or until your total disability ends.

Permanent and Total Disability: $5,000 monthly for first 12 months. At 12 months the prognosis must be reconfirmed. Once reconfirmed, there is a $5,000 monthly payment for the remainder of your life or until your total disability ends, plus a one-time Lump Sum payment of $5,000 after 12 months of Permanent and Total Disability.

Additional Income Benefit Reduction - Total Disability: If your insurance payment plus other income would exceed $5,000, your insurance payment is reduced so that your total income does not exceed $5,000.

Additional Income Benefit Reduction - Permanent and Total Disability: If your insurance plus other income would exceed $10,000, your insurance payment is reduced so that your total income does not exceed $10,000.

Loan Payoff Benefit - Repayment of up to $200,000 of eligible debt.

ACT

Compare Plan Benefits

See a summary of benefits and compare this program with the optional PEBB coverage available to all Washington State employees:

Enroll

Here's what you should know prior to enrollment:

To enroll, complete the Resident & Fellows LTD online enrollment form.

File a Claim

Claims are filed by contacting the UW Benefits Office at 206-543-2800 or benefits@uw.edu.

Cancel Coverage

If you wish to cancel your LTD coverage, please send a hard copy letter to the UW Benefits Office indicating your wish to terminate coverage. Please include your Employee Identification Number (EID) or Social Security number and signature on the letter. Your LTD benefit coverage will terminate the end of the month in which UW Benefits receives the notification.

When Benefits End / Continue Coverage

Following your Residency or Fellowship, if you will be employed by the UW, you must contact the UW Benefits Office to ask for your payroll deductions to stop. Notify us of your appointment change via email at benefits@uw.edu.

EXPLORE

Long-Term Disability Documents


The information provided above is only a summary of benefits and coverage. The master policy supersedes any discrepancies in summary and determines actual coverage. Upon registration confirmation, please read your policy for a complete description of benefits and coverage.

LTD
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