Long Term Disability Insurance - Human Resources Department

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Human Resources - Group Benefits
Long Term Disability Insurance

General Information:

If you become totally disabled, Long Term Disability Insurance (LTD) guarantees you an income after a six month waiting period. Benefits start on your 181st day of disability. Benefits are payable until the earliest of the following: you cease to be totally disabled; you die; or you reach the maximum benefit period. (See Below)

Age of Disability	Maximum Benefit Period
Less than 60 60 61 62 63 64 65 66 67 68 69 & over	To age 65 60 months 48 months 42 months 36 months 30 months 24 months 21 months 18 months 15 months 12 months

Basic Long Term Disability

The University of Arkansas provides an LTD benefit of 60% of your annual salary up to a salary maximum of $20,000 free of cost. The maximum monthly benefit is $1,000.

Optional Long Term Disability*

If your salary is more than $20,000, you may enroll in optional LTD. This coverage provides a disability benefit of 60% of that portion of your annual salary above $ 20,000. Your cost is $.57 per $100 of your monthly salary above $1,666.67. To figure your cost, do the following:

Take your annual salary
Divide by 12
Subtract $ 1,666.67
Divide by 100
Multiply by $.57
The result is your monthly cost

* Note: You may enroll in the Optional LTD plan as a newly hired employee, when your salary first reaches $20,000, or upon proof of insurability.

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University of Arkansas • Division of Agriculture
Cooperative Extension Service
2301 South University Avenue
Little Rock, Arkansas 72204 • USA
Phone (501) 671-2000

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Cooperative Extension Service Departments Human Resources - Group Benefits Long Term Disability Insurance

Cooperative Extension Service Departments
Human Resources - Group Benefits
Long Term Disability Insurance