308 Long-Term Disability
Regular employees who are scheduled to work 20 hours or more each week are automatically enrolled in a Long-Term Disability Plan that provides salary protection when extended disability caused by accident or illness makes it impossible for the employee to perform his or her job.
Enrollment is effective on the first day of the month following employment and terminates on the final day of employment. There is no cost to the employee.
The Plan provides benefits that begin on the first of the month following six consecutive months of total disability and continue during the participant's lifetime but not beyond age 70.
Income replacement, including any payments from Social Security, Workers' Compensation, etc. is 60% of regular salary to a maximum annual benefit of $60,000. For employees in the Yale University Retirement Annuity Plan, an amount equivalent to the combined employee and employer contributions continues to be paid by the University to that Plan.
Complete information about the long-term disability benefit exclusions, eligibility for purchase of additional coverage, and extension of coverage is given in the Summary Plan Description available at the Benefits Office.