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Click ‘Get Form’ to open the Expanded Long-Term Disability Application in the editor.
Begin by filling out your personal information in Section 1. Include your name, UMID, Social Security Number, address, title, date of hire, daytime phone number, and email address. Ensure all details are printed clearly.
In Section 2, calculate your cost based on your annual base salary. Use the provided formula to determine your monthly cost for coverage. Input this information accurately to avoid discrepancies.
Proceed to Section 3 for enrollment options. Check the box for immediate enrollment and indicate if you are a practicing physician at the University of Michigan.
Finally, complete Section 4 by signing and dating the form to authorize payroll deductions for coverage. Review all sections before submission.
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Once long-term disability benefits have been approved, an employee can continue to receive benefits for the policy term or until they return to work. Common coverage durations are 36 months, although some can provide coverage for up to 10 years or even for the policyholders life.
What are the benefits of long-term disability?
Long-Term Disability (LTD) can be used following Short-Term Disability (STD) plans or alone. Long-Term Disability coverage provides wage replacement that is between 50-70% percent of your earnings before a non-work-related injury or illness that impacts your ability to work.
What is the maximum payment for long-term disability?
Maximum benefit you could receive The maximum amount you could receive from July 2025 to June 2026 is $2,400 ($200 per month). This amount will be adjusted for inflation each year to reflect changes in the cost of living. Your benefit payment will not decrease if the cost of living goes down.
How long do most long-term disability benefits last?
The average duration of a long term disability is 2.5 years2, but remember thats just an average. Some disabilities are shorter, but many are longer, so a 2-year benefit may not provide the reassurance youre looking for.
What are typically long-term disability benefits?
Long-term disability insurance offers protection when youre out of work for a longer period, sometimes even years. It typically kicks in after short-term benefits end and can help you cover essential expenses while focusing on recovery.
Related Searches
Long-term disability insuranceLong-term disability tax calculatorUmich Long-Term DisabilityLong Term disability insurance cost calculatorUM employee benefitsUniversity of Michigan Benefits OfficeU of benefitsHR benefits
Cons: Disability insurance can be expensive. Coverage costs more the older you get or the more dangerous your job is. Policies can come with exclusions that dont cover pre-existing conditions. Waiting period. If you never experience a disability, you wont receive benefits.
Related links
Disability Benefits
Workers and Families Claims Procedure for Plans Providing Disability Benefits, Employers and Advisers Claims Procedure for Plans Providing Disability Benefits.
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