Long Term Disability (LTD)

This plan may pay benefits after Short-Term Disability has been exhausted. Long term disability insurance is provided to all eligible employees through Cigna, either on a contributory or non-contributory basis.

Long Term Disability Insurance Plan Details

Premium Payment and Taxation

• If Adelphi University pays the full premium, the benefit received is fully taxable
• If you choose to pay for the insurance through payroll deductions, the benefit received is not subject to taxes under current law

Benefit Amounts and Duration

After 180 days of continued disability, employees under age 60 are eligible to receive 60% of their base monthly salary.

• Maximum benefit if the University pays: $4,000 per month
• Maximum benefit if the employee pays and is eligible: $15,000 per month

Employees age 65 and over are eligible for this benefit through age 70 on a prorated basis.

Offsets

Benefits are offset by social security disability and/or worker compensation.

Annuity Premiums

For APPWLU, Local 1102, and Public Safety employees:

• Upon becoming eligible for Long Term Disability, if previously receiving the University contribution to the 403(b) plan, the employee becomes eligible for the monthly Annuity Premium Benefit
• This benefit equals 12% of the monthly wage base credited to TIAA annuities

Changing Your Funding Option

You may change the way your Long Term Disability Insurance is being funded during annual enrollment. If you are electing to pay for your Long Term Disability coverage, you will be required to provide Evidence of Insurability (EOI).

Additional Resources