Coronavirus Update

Classes will be held remotely for the remainder of the spring semester, and all official university events and student activities are suspended until further notice. While the Dayton and Lake campuses remain open, access to campus is restricted to personnel who have been identified as essential. Read more.

Long Term Disability

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 –

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

Long Term Disability Plan Document (PDF)
Long Term Disability Claim Form (PDF)