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 by MetLife. MetLife will evaluate all claims to determine whether disability benefits are warranted.

On this page: Eligibility | Short Term Disability and Workers' Compensation | Disability Coverage Comparison | Long Term Disability

Eligibility

You must be full time benefits eligible (37.5 scheduled hours per week) to enroll. Enhanced long term disability is not available to those age 69 and older.

Short Term Disability and Workers' Compensation

The Short Term Disability (STD) program provides benefits for non-work related illnesses or injuries that last from seven to 180 days. STD provides 60% of your base salary. All full time faculty, staff and CPA are automatically covered under the STD program as of their benefits eligibility date.

Workers' Compensation provides benefits for work-related illnesses and injuries. If you remain disabled for more than 180 days, you may apply for long term disability (LTD) benefits. Your LTD benefits will be offset by any Workers' Compensation benefits you may be receiving. All employees are automatically covered under Workers' Compensation from their date of hire.

Disability Coverage Comparison

*Subject to pre-existing exclusion for the disabling condition for 12 months from effective date of coverage.

**The Staff Parental and Maternity Leave program may not be applicable to staff members governed by a Collective Bargaining Agreement (CBA). Pay practices for such staff members shall be governed by the terms of the applicable CBA.

***If the absence is also covered under the Family and Medical Leave Act, FMLA leave will run concurrently with the short term disability leave.

Long Term Disability

Long term disability (LTD) insurance replaces a portion of your income and, if eligible, can continue contributions to your retirement plan if you sustain an illness or injury that prevents you from working for more than 180 days. The Long Term Disability program offers two levels of coverage, both of which use the same definition of disability.

• No Cost Basic LTD provides 60% of your monthly base salary, up to a maximum benefit of $15,000 per month. CMU provides basic LTD at no cost to full time eligible employees.
• Enhanced LTD provides 60% of your monthly base salary and makes a cost-of-living adjustment (COLA) of 5% a year for up to 10 years. After 10 COLA increases, your benefit amount remains fixed. (Note: Those age 55 and older may not receive 10 COLA increases due to limitations in maximum benefits duration. Enhanced LTD is not available to individuals age 69 or older.)

Maximum LTD Benefit Period