Long Term Disability insurance

The university's Long Term Disability Plan is available to benefit-eligible faculty and staff in the University of Missouri System to provide replacement income due to disability. It is not available to retirees. Certain benefit-eligible employees are eligible for the completely voluntary, employee-paid supplemental individual disability insurance described at the bottom of this webpage.

Visit our plan contacts page.

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Monthly premiums


2019- $0.18 per $100 of monthly income up to $12,500 per month

  • Evidence of insurability required for the Buy-up Plan.
  • If you enroll in the Buy-up Plan after-tax, the portion of the benefit that you pay for is not taxable.
Forms and guides

Supplemental Individual Disability Insurance

The LTD plans offered above allows you to cover up to 66.6% of your eligible earnings, up to a monthly maximum of a $8,333 benefit. Supplemental Individual Disability Insurance (IDI) is a plan offered to eligible faculty and staff. If you are eligible, you are contacted separately whenever the option to enroll arises. Supplemental IDI can help replace more of your income—up to 75%—if you have a covered disabling illness or injury. This is a completely voluntary program.

Eligibility and costs
  • Eligibility: Benefit-eligible faculty and staff earning $150,000 or more total income, who financially qualify for a minimum benefit of $300.
  • Costs: All plan premiums are paid by the employee. Premiums are paid through after-tax payroll deductions.
Additional features

Some of the other features of the Supplemental IDI benefit:

  • Catastrophic coverage, which can replace 100% of your pre-disability earnings in the event of a more severe disability.
  • A 25% discount on premiums, which are guaranteed not to increase before age 65.
  • Choice of maximum benefit or a reduced benefit.
  • The ability to keep your policy with the same rate and benefits if you leave the university in the future.

* In the event of a difference between this webpage and the plan document or summary plan description, the plan document and plan description prevail.

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Reviewed August 16, 2019.