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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 in the event of a 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.

You must be actively at work on the effective date of coverage. Otherwise, coverage will begin when you return to active work. You must be actively at work on the effective date of coverage. Otherwise, coverage will begin when you return to active work. Consult the LTD Summary Plan Description (SPD) for more information.

If you are unable to work due to a serious illness or accident, and expect to remain unable to work in excess of 149 days, your Long Term Disability benefits may replace a portion of your lost income to help you maintain financial independence.

  • If you first became unable to work prior to January 1, 2020, you will file a disability claim with MetLife; if approved, your disability claim will remain with MetLife for the duration of the claim.
  • If you first become unable to work on or after January 1, 2020, you will file a disability claim with Unum; if approved, your disability claim will remain with Unum for the duration of the claim.
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  2020 Long Term Disability  

Monthly premiums

$0 - The Core Plan (Option A) is 100% paid by the University.

  • You will be automatically enrolled in the Core Plan (Option A) when you first become benefit eligible.
  • If you choose to waive this free coverage when you are first eligible, evidence of insurability will be required should you decide to enroll at a later date.
  • The maximum annual base salary covered is $150,000.

$0.14 per $100 of monthly income up to $12,500 per month. The Buy-up Plan (Option B) is paid by the employee.

  • When combined with other deductible sources of income, this option allows you to receive up to 85% of your eligible earnings (paying the lesser of 66.67% or 85% of monthly earnings less any deductible sources of income).
  • If you are newly benefit eligible, you will have the opportunity to enroll in the Buy-up Plan (Option B) without providing evidence of insurability. Evidence of insurability is required if you choose to enroll in the Buy-up Plan (Option B) after 31 days of initially becoming eligible.
  • If you enroll in the Buy-up Plan after-tax, the portion of the benefit that you receive from your after-tax premiums would not be taxable.
  • The maximum annual base salary covered is $150,000.

Supplemental Individual Disability Insurance

The LTD plans offered above allows you to cover up to 66.67% of your eligible earnings, up to a monthly maximum of a $8,333 benefit. Supplemental Individual Disability Insurance (IDI) can help replace more of your income—up to 75%—if you have a covered disabling illness or injury. IDI is a plan offered to eligible faculty and staff. If you are eligible, Unum will contact you in the spring, generally April, with enrollment details. This is a completely voluntary plan with one opportunity to enroll.

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.

Evidence of Insurability

If you elect coverage that requires evidence of insurability, Unum will email your University email account with a link to your personalized evidence of insurability application. The email will come from TheUnumClientServiceCenter@unum.com and the subject line will read: “Your Recent Insurance Election – Action requested.”

  • For new hire enrollments and mid-year qualifying events, emails will be sent within two weeks of submitting your elections. For elections made during Annual Enrollment, emails will be sent in early December. If you do not receive your email within the timeframes listed, please contact the HR Service Center.
  • If you have questions about your personalized evidence of insurability application once it is received, please contact Unum customer service at 866-220-8460 from 7:00 a.m. until 5:00 p.m. CST.

* 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 2020-09-28