Disability Insurance and Leaves-HR @ Carnegie Mellon University - Carnegie Mellon University

Disability Insurance and Leaves
(For Full-Time, Benefits-Eligible Faculty and Staff)

Short- and Long-Term Disability provide benefits if an illness or injury cause you to be disabled and unable to work, in excess of seven consecutive calendar days. These programs are administered through Sun Life Financial. Contact the Leaves Manager in the Benefits Office for specific information regarding a disability leave.

Features of Disability Coverage: 

  Short-Term
Disability 
Basic
Long-Term
Disability
 
Enhanced Long-Term Disability
When you are eligible
Immediately  Immediately* Immediately*; Not available for those age 69+
How to enroll  Automatic Automatic (Default) Through Workday
When benefits begin After seven consecutive days of disability
After 180 days of disability
After 180 days of disability
Initiating a Claim Use the Sun Life Telephone Reporting Procedure [pdf]: 877-932-7287 When STD benefits are exhausted, Sun Life automatically contacts you
When STD benefits are exhausted, Sun Life automatically contacts you
Conditions covered  Non-work related illnesses and injuries, including  childbirth Illnesses and injuries resulting in disability of more than six months Illnesses and injuries resulting in disability of more than six months
Benefits 60% of pay (up to a maximum of $15,000 per month) and continuation of retirement contributions 60% of pay (up to a maximum of $15,000 per month) and continuation of retirement contributions 60% of pay (up to a maximum of $15,000 per month), with annual 5% cost-of-living increases for up to 10 years (see chart at right) and continuation of retirement contributions
Benefits Duration
 25 weeks
See chart at right
See chart at right
Cost
 Free Free

6¢ per $100 salary/year (taken over 12 or 24 pays)

*Subject to pre-existing exclusion for the disabling condition for 12 months from effective date of coverage.
  • Sun Life will evaluate all claims to determine whether disability benefits are warranted.
  • If the absence is also covered under the Family and Medical Leave Act, FMLA leave will run concurrently with the STD leave.
  • Members of Local 95 have disability coverage through the Sick and Accident Program, administered by Sun Life Financial. See the Sun Life Telephone Reporting Procedure [pdf].

Tax Implications of LTD Payments

LTD benefit payments are taxable income. They are not affected by payments from any other individual disability insurance policy. However, they are offset by social security, workers' compensation or other state or group disability payments you may receive. Your total monthly disability income from these sources cannot add up to more than the dollar amount maximum for the option you select. The benefit provided is at least $50/month.

Features/Services of the LTD Plan

The LTD Plan has several features that are focused on an individual's abilities and encourages a return to a productive lifestyle:

  • Social Security assistance program to help maximize the Social Security Disability program
  • Early intervention program to help access vocational analyses and rehabilitation services
  • A return-to-work program that includes customized vocational analyses, labor market surveys, retraining programs, on-site job analysis, job modifications/accommodations and training in job-seeking skills

Contact Sun Life

Short-Term Disability:
Sun Life Financial
Group STD Claims
PO Box 81915
Wellesley Hills, MA 02481
Phone: 877-932-7287
(to initiate an STD claim)

Phone: 800-247-6875
(for claim status, payments, questions, etc.)
Fax: 781-304-5599

Long-Term Disability:
Sun Life Financial
Group LTD Claims
PO Box 81830
Wellesley Hills, MA 02481
Phone: 1-800-247-6875
Fax: 781-304-5537


Maximum LTD Benefit Period

Age disability began Maximum benefit period*
Less than 60 To age 65
60 60 months
61 48 months
62 42 months
63 36 months
64 30 months
65 24 months
66 21 months
67 18 months
68 15 months
69 and over 12 months
*The employee’s maximum benefit period is the period shown above or the employee’s normal retirement age under the 1983 amendments to the Federal Social Security Act, whichever is longer.