TSS - Long Term Disability

Long Term Disability

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First Published  :Tue Nov 25 22:20:43 GMT 2014
Last Modified  :Wed Oct 24 14:03:30 GMT 2018
Last Published  :Wed Oct 24 14:03:30 GMT 2018
Summary :  Reference for all constituents of Tufts with inquiries about applying for Long Term Disability. Audience: All current Employees, Staff, Faculty (Note: Faculty time off varies by school)


Primary Information

    AccessTufts 2019 Benefits Information

    Long Term Disability Program

    This program, administered by Prudential Insurance Company of America, provides financial protection to those who have elected coverage in an amount equal to 40% or 60% of your basic monthly earnings to a maximum monthly benefit of $10,000. Because you pay for your LTD benefits with post tax dollars, benefits are tax-free.

    • Benefits begin after 180 days of disability.
    • Benefit Duration: For disabilities beginning prior to age 60, benefits are payable to your normal Social Security Retirement Age. For disabilities beginning after age 60, benefits are pro-rated to age 70 with a minimum duration of 12 months. See Chart at bottom of page.
    • Enhanced benefits include a Conversion provision and a Critical Illness benefit:
      • Conversion means that you can convert your coverage to an individual policy if you leave the University for other employment.
      • Critical Illness benefits pay an additional amount for certain conditions. See the Benefits Office or your description of benefits for additional details.

    You may be required to provide evidence of insurability to Prudential Insurance Company as part of your request to enroll in this benefit or increase your coverage.

    Go to eServe to make your benefit selection. Prudential will contact you directly for any required supplemental information. If Prudential approves your Open Enrollment request, the new or updated policy will go into effect on January 1 of the following year. For new employees the new or updated policy will go into effect on the pay period following approval.

    See Evidence of Insurability for more information.

    Pre-existing Condition Limitation

    A pre-existing condition limitation will apply during your first year on the plan or when you increase your coverage. If you received treatment, consultation, care or services; took prescription medication or had medications prescribed or had symptoms or conditions that would cause a reasonably prudent person to seek diagnosis, care or treatment in the three (3) months before your insurance or any increase in the amount of insurance takes effect, Prudential will not cover you if you become disabled from a disability that results from such pre-existing condition for a period of twelve (12) consecutive months from the date your insurance or your increased amount takes effect. After the twelve (12) month waiting period, a pre-existing condition(s) would be covered per the standard Prudential policy.

    All active, regular employees at the University are eligible, provided that you are an exempt or non-exempt employee regularly scheduled to work 17.5 hours or more a week, with a minimum 90 days employment period. 
    or faculty member with at least a half time (as determined by the academic department), two- semester appointment
    See pages 5-8 of the Summary Plan Description for Benefits Eligible Employees for full Eligibility information for Staff, Faculty, Dependents, and Retirees.
    Coverage Type

    • The 40% coverage level rate is $0.247 per $100 of earnings
    • The 60% coverage level rate is $0.579 per $100 of earnings
    • Examples:
      • LTD 40 – $30,000/$100.00 x $0.247/12 = $ 6.18 per month or $74.16 per year
      • LTD 60 – $30,000/$100.00 x $0.579/12 = $14.48 per month or $173.76 per year
      • LTD 40 – $50,000/$100.00 x $0.247/12 = $10.29 per month or $123.48 per year
      • LTD 60 – $50,000/$100.00 X $0.579/12 = $24.13 per month or $289.56 per year

    Q: I am on a leave of absence, how do I apply for Long Term Disability?
    Once you are out on a medical leave of absence, your name will appear on the HR Benefits Office monthly Leave of Absence report. When you have been out for 4 months, the HR Benefits Office will notify Prudential that you are a “potential claimant” and you are sent a packet. Prudential will then do an intake call. If you do not want to file a claim, then let them know at that time. If you are unable or unsure if you can come back to work at the end of your 6 months, then fill out the paperwork, have your physician fill out his/her section and mail the paperwork back to Prudential. Prudential needs 1-2 months for processing; however, it can take longer if it is a complicated claim.
    Q: How long can I be on LTD?
    You can be on LTD until you are no longer considered disabled, OR you reach your retirement date (65, 66, or 67) as determined by Social Security; whichever comes first. If you are 60 or older when you go on LTD, there is a reduced schedule of benefits, with 12 months being the least amount of time on LTD. See chart on bottom of page.

    Q:  When can I enroll for LTD?

    Beginning January 1, 2017, you will automatically be enrolled in LTD at the 60% rate of coverage at your hire date, however during your benefits enrollment period (first 31 days of employment) you may elect to  decrease your coverage level to 40% or waive the benefit completely.  If you do not make any changes during you enrollment period you will be enrolled in LTD at the 60% coverage level.  Each year you may also make changes to your enrollment during the university's open enrollment period in the Fall. The Evidence of Insurability will be required to increase coverage at these times.

    Vendor Contact Information:

    The Prudential Insurance Company of America
    751 Broad Street
    Newark, NJ 07102

    Tufts University Human Resources Benefits Office
    200 Boston Avenue
    Medford, MA  02155
    Phone:  617-627-3270
    Fax: 617-627-3615
    Please see the Summary Plan Description for Benefits Eligible Employees for coverage guidelines for Long Term Disability Insurance at Tufts.
    From Page 42:



    LESS THAN 60

    TO AGE 65


    60 MONTHS


    48 MONTHS


    42 MONTHS


    36 MONTHS


    30 MONTHS


    24 MONTHS


    21 MONTHS


    18 MONTHS


    15 MONTHS

    69 AND OVER

    12 MONTHS

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