Long Term Disability

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LSU partners with UnitedHealthcare to provide affordable Long Term Disability coverage to help you continue to meet your family's financial needs in the event of a disabling illness or injury. This benefit provides affordable coverage to protect the financial security of you and your family. If you become disabled and qualify for benefits, LTD coverage will pay you 60% of your monthly salary, up to a maximum of $12,000 per month. Disability benefits are paid if you are considered disabled, you satisfy a waiting period of 90 days and you exhaust your sick leave.

Long Term Disability can be added as a New Hire for guaranteed coverage or at any time with Evidence of Insurability.

The Covered Person is Disabled or has a Disability when UnitedHealthcare determines that:

You are not Actively at Work and are unable to perform some or all of the Material and Substantial Duties of your Regular Occupation due to your Sickness or Injury; and
You have a 20% or more loss in Indexed Pre-Disability Monthly Earnings due solely to the same Sickness or Injury; and
You are under the Regular Care of a Physician.

You must be disabled for at least 90 days and have exhausted your sick leave before you can receive a Long Term Disability Insurance benefit payment.

Total disability is not required during the waiting period. You can continue to work periodically for up to 45 days without beginning the waiting period again.

For as long as you remain disabled, or until you reach your Social Security Normal Retirement Age (as stated in the 1983 revision of the United States Social Security Act), whichever is sooner. If your disability occurs at age 60 or above, your payments may be reduced. Disability must begin while the Covered Person is insured under the Policy. After 24 months of payments, the Covered Person is Disabled when We determine that due to the same Sickness or Injury, you are unable to perform some or all of the material and substantial duties of any Gainful Occupation for which you are reasonably fitted by education, training or experience and you continue to suffer a 20% or more loss in Indexed Pre-Disability Monthly Earnings due solely to the Sickness or Injury.

Your monthly premium is based on your salary. To calculate your monthly premium, divide your annual salary by 12. Multiply your monthly salary by 0.00362. Below are examples of monthly premiums based on the annual salaries shown. This will give you a range of what you can expect to pay for LTD coverage. Additional premium information can be found on this PDF