Long Term Disability

Long term disability coverage provides you with protection in the event that you are unable to work as a result of an injury or illness. It does this by replacing a percentage of salary while you are unable to perform the duties of your own occupation during the early stages of the disability. Later, benefits are continued if you are unable to perform the duties of any occupation. Because the State of Maryland does not offer this type of coverage, the University of Maryland considered this benefit important enough to contract separately for this insurance. All regular faculty and staff as well as Contingent II employees who are employed at least 50 percent of full-time status are eligible to enroll. The coverage is provided by UNUM.

FormDownload
Unum Life - LTD Enrollment
Unum LTD Highlight Sheet
Unum LTD Evidence of Insurability
Unum LTD Claim

 

  • A maximum income benefit equal to 60 percent of your salary up to $8,000 per month (non-taxable).
  • Benefits paid to age 65 (For disabilities commencing after age 60, benefits will be paid in accordance with Age Discrimination Employment Act).
  • Benefits for the first three years of total or partial disability if you are unable to perform your occupation. After, three years, benefits continue if you are unable to perform any occupation for which you are reasonably suited.
  • Benefits begin after 90 days of total or partial disability, or you may choose a 365 day elimination period and reduce your premium (The 365 day option is recommended primarily for long term employees who have accumulated a large amount of sick leave).
  • A recurrent disability benefit which ensures that you are not penalized for trying to return to work.
  • The Partial Plus feature where you may receive 100 percent of your benefit during the first 12 months of payment. Thereafter, benefits will be offset by any earnings received.
  • Guaranteed acceptance into the program if you enroll during the first 60 days of employment with the University. However, if you received treatment for a condition during the three months prior to employment, no benefits are payable for a disability caused by that particular condition during the first twelve months of employment. An employee can enroll in this program after the first 60 days of employment by completing an application and filling out an Evidence of Medical Insurability Form. Please note that enrollment after the first 60 days of employment is not guaranteed.



Annual premium per $100 of your covered annual salary

Your Age Premium Your Age Premium Your Age Premium
Under 25 .06 40-44 .29 60-64 .67
25-29 .08 45-49 .49 65-69 .45
30-34 .11 50-54 .81 70-74 .31
35-39 .20 55-59 .76 75+ .31



Annual premium per $100 of your covered annual salary

Your Age Premium Your Age Premium Your Age Premium
Under 25 .05 40-44 .24 60-64 .54
25-29 .06 45-49 .41 65-69 .36
30-34 .09 50-54 .65 70-74 .25
35-39 .16 55-59 .61 75+ .25

To calculate your annual premium, divide your salary by $100, and multiple this by the rate shown for your age bracket above. To determine the amount deducted from your paycheck, divide the annual premium by 26.

Last updated: September 21, 2015