If you are expected to be out of work for longer than 90 days due to an illness or injury, you should apply for UAB’s Long Term Disability (LTD) plan. Long Term Disability provides income protection for eligible employees.
- The Employee must contact the Benefits Office to apply as soon as a physician indicates they may be out of work for longer than 90 days.
- The Benefits Department will walk you through the application process and assist you with any questions.
If approved:
- Beginning the 91st day (or the end of sick leave benefits), 66 2/3% monthly salary (not to exceed $10,000 per month) would be paid for the first 90 days of disability.
- After 90 days of disability payments, 60% monthly salary (not to exceed $10,000 per month) will be paid.
To meet the definition of disability:
- an employee must be unable to perform his or her own job during the first 24 months of disability.
- After 24 months, you must meet the definition of being disabled from all forms of employment for which you are reasonably able to perform based on your work history and education.
- Once approved for UAB’s LTD plan you will no longer be eligible for any UAB medical, dental, vision, or voluntary supplemental insurance plans. If you are enrolled in a medical, dental, or vision insurance plan at the time of your LTD approval, you will be mailed a packet regarding COBRA continuation coverage. You may also be eligible for medical insurance through the Health Insurance Marketplace; more information can be found at healthcare.gov. You will have the option to port any voluntary supplemental plans (InfoArmor Identity Protection, Aflac Accident Insurance, and Pet Benefit Solutions) to personal policies by reaching out to the carrier directly. As long as you continue to be considered eligible for LTD by our plan carrier, The Standard, your sponsored life insurance (if eligible) will continue to be provided. Once you are no longer considered an approved LTD recipient, this benefit will cease.
For more information or clarification, please contact the Benefits Department.