Long-Term Disability
Long-Term Disability insurance can help pay the bills if you become disabled and can’t work for an extended period due to a disability, beyond the initial 120 days covered by short-term disability. This insurance replaces 66.67% of your pre-disability salary, helping to cover your bills and maintain your lifestyle and savings during your recovery, whether it takes a few months or several years.
Who is Eligible for Long-Term Disability
All benefit-eligible employees qualify for long-term disability. USU pays the full premium each month.
Benefit Waiting Period
If you suffer a qualifying disability, your benefit waiting period is the length of time you must be continuously disabled before you can begin receiving your weekly benefit. The benefit waiting period for benefited employees is 120 days. When you are on short-term disability for 120 days this will help you meet the long-term disability waiting period without having a large gap in income.
How Do I Use Long-Term Disability?
- Notify Human Resources
- Call the Human Resources Solution Center at 435-797-0122
- Express your interest in filing an LTD claim.
- Schedule a meeting with HR. They can accommodate in person, via Zoom, or by phone to assist you.
- Notify Your Supervisor
- Inform your supervisor of your need for leave and your intention to file an LTD claim.
- Long-Term Disability Claim Process
To file a claim by telephone, contact The Standard’s Claim Intake Service Center at 1-800-378-2395. (This offers the quickest response time.)
To file a claim online, go to www.standard.com and scroll to the bottom of the page and click on “File a Claim or Request a Leave” to begin. Instructions will be provided throughout the entire claim submission process. - Communicate your Plans:
Inform HR and your direct Supervisor of your leave plans.
Enter your leave details in the USU timekeeping systems.
- mytime.usu.edu (all campuses)
- AIM (facilities employees working on the Logan campus)
By following these steps carefully will help ensure your leave and benefit claims are processed smoothly and in accordance with university policy.
Maximum Benefit Period
If you become disabled before age 62, long-term disability benefits may continue during disability until age 65, or to the Social Security Normal Retirement (SSNRA) or 3 years, 6 months, whichever is longest. If you become disabled at age 62 or older, the benefit duration is determined by the age when disability began.
| Age | Maximum Benefit Period |
|---|---|
| 62 or younger | To age 63, or to SSNRA, or 4 years, whichever is longest |
| 63 | To SSNRA, or 3 years and 6 months, whichever is longer |
| 64 | 3 years |
| 65 | 2 years, 6 months |
| 66 | 2 years, 3 months |
| 67 | 2 years |
| 68 | 1 year, 9 months |
| 69 or older | 1 year, 6 months |
Benefit Summaries & Flyers