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 – HR-Leave@wright.edu

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)