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.
- 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.
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.
ELIGIBILITY: If you do not enroll within 31 days of the date you are first eligible, you will not be able to enroll until the next annual open enrollment, unless you experience a Qualified Status Change. See Change in Benefits Election after Change in Life Status (Qualified Status Changes, but specifically, you may change your Long Term Disability coverage if you experience a qualified status change that relates to one of the following events:
- Events that change your legal marital or Qualified Domestic Partnership status (including marriage, commencement of Qualified Domestic Partner relationship (as evidenced by filing an Affidavit of Qualified Domestic Partnership), divorce, legal separation, annulment or the death of your Spouse, or termination of a Qualified Domestic Partner relationship); or
- Events that change the number of your dependents (including birth, adoption or placement for adoption, or the death of a dependent, including a Qualified Domestic Partner).
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.
- The 40% coverage level rate is $0.247 per $100 of earnings
- The 60% coverage level rate is $0.579 per $100 of earnings
- 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
FAQ: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.
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 or if you have an eligible Qualified Status Change. 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
Please see the Summary Plan Description for Benefits Eligible Employees for coverage guidelines for Long Term Disability Insurance at Tufts.