Benefits

Long-Term Disability

The University of Chicago has contracted with Sun Life to serve as our Long Term Disability Insurance carrier effective January 1, 2016.  For questions regarding your Long Term Disability coverage, please contact Sun Life directly at 866-230-2278.

When you suffer an illness, injury or disabling condition that prevents you from working for more than 3 months, the University offers Long Term Disability Insurance (LTD) to provide supplemental income to allow you to focus on your recovery.  You can choose from the base plan or the optional plan.  LTD picks up where Short Term Disability leaves off, providing you with continuity in your income replacement.

Who is Eligible

Benefits-eligible employees with 3 or more months of employment with the University may obtain benefits through the plan. For certain Union members participation in the plan is mandatory. 

Key Features

LTD provides 60% of your regular salary that you received before you became disabled. LTD is administered by an insurance company, Sun Life, which makes payments directly to you.

You may choose from the following plans:

 Base Plan

Under the Base Plan, you receive 60% of your monthly base salary, up to a maximum monthly benefit of $10,000, less any benefits you receive from other sources, such as Social Security. Under this Plan, during the first 24 months, disability is defined as being unable to perform the material and substantial duties of your regular occupation or if you have a 20% or more loss in your monthly earnings; and are under the regular care of a doctor. After 24 months, disability is defined as being unable to perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience; and you are under the regular care of a doctor.

Optional Plan

Under the Optional Plan, you receive 60% of your monthly base salary, up to a maximum monthly benefit of $20,000, less any benefits you receive from other sources, such as Social Security. Under this plan, disability is defined as being unable to perform the material and substantial duties of your regular occupation or you have a 20% or more loss in your monthly earnings; and under the regular care of a doctor. This plan also provides an annual 5% cost of living adjustment.

Learn more about the cost of Long Term Disability coverage, how to enroll, and about the impact on your staff or academic benefits should you go on Long Term Disability leave.

For instructions on how to apply for Long term Disability benefits, see Disability- Staff Employees.

For more information on eligibility, payment amounts, and usage guidelines, please refer to Personnel Policy 514.

Please note: employees represented by a union are governed by the applicable collective bargaining agreement.