Long Term Disability Insurance (LTD)

Long Term Disability (LTD) insurance is “income replacement” insurance. Disabilities can happen to anyone as a result of a sudden illness, an accident, sports injury etc. where you could be unable to work. Although your health plan may cover your hospital costs, long term disability insurance will provide you with income to pay your bills, rent or mortgage, car insurance, food, etc. during your disability.  LTD insurance will replace a portion of your income which can protect your family and finances during a time of need.

Long Term Disability Insurance is available to all benefited employees and is first offered to new employees at their time of hire. New employees can purchase this insurance within their first ten days of employment “without proof of good health”. After your initial ten day offering employees must complete a health care questionnaire to purchase long term disability insurance, and “proof of good health” is required. The insurance company can deny requests for coverage after reviewing the health care questionnaire employees are required to submit. New employees and employees wishing to add LTD benefits later on must complete a GIC Form 1 which HR will forward to the Group Insurance Commission. For late enrollees the insurance provider who will mail you a health care questionnaire to complete and return and you will be notified if you have been approved or denied late enrollee coverage.

Employees in the State Employees Retirement Plan –State Long Term Disability Insurance

For employees who participate in the State Employees Retirement Plan (SERS), Long Term Disability Insurance (LTD) is offered through the Group Insurance Commission and UNUM Insurance.

Full and part-time employees whose contracts provide for benefits are eligible to purchase long-term disability insurance through UNUM Life Insurance Company of America. Under this policy, if you are disabled for an extended period of time you will receive 50 percent of your basic monthly salary (tax free) up to a maximum monthly benefit of $10,000 per month. There is a minimum benefit of $100 per month. Premium payment is deducted from your paycheck. Premiums are based on your age and current salary and the premium will be adjusted as your age and salary increase.

UNUM Provident is the Long Term Disability carrier for the Commonwealth of Massachusetts employees as of July 1, 2007 (formerly under The Hartford Insurance Company). For more information you can contact 1.877.226.8620 or visit their website at http://www.unum.com, or you may pick up a pamphlet in the Human Resources department. Your coverage ends if you do not pay your premium, you leave employment with the Commonwealth, or are no longer eligible due to a change of employment status.

UNUM Long Term Disability Brochure:  http://www.mass.edu/shared/documents/orp/LTDbrochure.pdf
UNUM’s phone number is 1.877.226.8620
Address: 2211 Congress Street, Portland, ME 04122
Website: http://www.unum.com

LTD Coverage Under the Optional Retirement Plan

Employees who are members of the Massachusetts Optional Retirement Plan (ORP), Long Term Disability benefits are available (through the Standard Insurance Company) to an active member of the ORP program working at least 50 percent of full-time equivalency or non-faculty member of the ORP regularly working at least 17.5 hours each week.

Faculty or administrators who have enrolled in the Optional Retirement Program (ORP) are automatically covered under a Long Term Disability plan through The Standard Insurance Company. Benefit coverage is 60 percent of the employee’s base salary (and this money is taxable).  Pamphlets are available in the Human Resources & Equal Opportunity Office and were provided to all new enrollees as part of their Optional Retirement Enrollment package (in the back of the folder). The LTD carrier is The Standard Insurance Company. For additional information contact Joe Leehan, local representative, at 781.25.1901 (Wakefield, MA). Your LTD coverage ends automatically on the earliest of the following: the date the group policy terminates; the date the last period ends for which you make a premium contribution; the date you stop active work in an eligible class (which includes ceasing to meet any required work test); or the date the group policy is changed to terminate insurance on the class of employee to which you belong. If you are no longer actively at work due to a leave of absence or a disability, ask your employer for information about options available under the group policy for insurance to continue during your leave of absence. If you have additional questions, please contact the Plan Administrator, Peter Tsaffaras, at 617.994.6928.

For the LTD plan highlights:

For the LTD brochure (scan document as not on-line). 
The Standard Insurance Company
1100 SW Sixth Avenue
Portland, OR 97204

Social Security Disability Insurance

Important Reminder:
State employees working at Salem State University are not earning Social Security quarters and are members of either the State Employees Retirement Plan or the Optional Retirement Plan in lieu of Social Security. Please note: that employees who have not paid into Social Security for five years or more are not eligible to receive Social Security Disability Insurance should they become disabled.  This is an important reason to sign up for Long Term Disability benefits either through the Group Insurance Commission if you are a participant of the State Employee's Retirement Plan or if you are a member of the Optional Retirement Program, LTD coverage is included in your enrollment in the ORP through the Board of Higher Education.

LTD Coverage ends when the employee leaves State service. There are no portability options for continuation of this coverage (including retirement).