Wright State University’s long term disability plan provides financial protection for you by paying a portion of your income while you are disabled. It can help you pay your bills and protect your finances at a time when you have extra medical costs but don’t get a paycheck. The amount you receive is based on the amount you earned before your disability began.
Long Term Disability Overview
LTD coverage is provided to full time employees
- You must be unable to work for at least 6 months to be eligible for LTD
- Pays you 60% of your covered earnings - less other income benefits*
- Premium Rates – the university pays 100% of the premiums, so there is no direct contribution by you.
- Benefit Administrator – Unum
- Contact – Jamie Henne, Leave & Disability Coordinator, 775-3844
OPERS and STRS offer Disability benefits
- STRS - You must have at least 10 years of Ohio service credit
- OPERS – You must have at least 5 years of Ohio service credit
- Benefits determined on service credit years
- Physician must certify you are unable to work for a period of at least one year.
- Benefits are retroactive to the first of month after employee is no longer in an active pay status
*Other sources of income
- sick leave from employer
- a worker’s compensation law
- an occupational disease law
- unemployment compensation law
- any other act or law with similar intent
- the Canada and Quebec Pension Plans
- the Railroad Retirement Act