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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)