Carnegie Mellon University

Disability Insurance

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 MetLife.

Long-term disability coverage for Local 95 Union members is administered through Lincoln Financial Group. Refer to Benefits for Members Of Local 95 for more information.

Eligibility

You must be full-time benefits eligible (37.5 scheduled hours per week) to enroll.

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 MetLife Telephone Reporting Procedure [pdf]: 866-729-9201 When short-term disability benefits are exhausted, MetLife automatically contacts you When short-term disability benefits are exhausted, MetLife automatically contacts you
Conditions covered Non-work related illnesses and injuries, including pregnancy and 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 Maximum LTD Benefit Period See Maximum LTD Benefit Period
Costs 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.

MetLife 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 short-term disability leave.

Maximum LTD Benefit Period

Age disability began Maximum benefit period*
Less than 63 To Social Security
Normal Retirement Age
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.

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.