Long Term Disability

Disability is often called the “forgotten risk,” as few employees think about how they would survive financially with no earned income.

Long Term Disability Insurance

The impact of a disabling illness or injury, both financially and emotionally, is devastating.

While health insurance may cover most medical bills, daily living expenses such as rent or mortgage, car payments, and utilities continue. Disability insurance provides partial income replacement if you are unable to work due to a qualifying non-occupational illness or injury.

Eligibility and Waiting Period

Employees whose customary annual appointment is longer than one semester for 30 or more hours per week or .75 FTE or greater are eligible on the first of the month following date of hire.

Benefit

LTD coverage is employer-paid. If you become disabled (as defined in the plan) and remain disabled through the elimination period, the benefit pays 50% of monthly earnings, less other deductible sources of income, such as Social Security and workers compensation (see your plan booklet for details). The maximum monthly benefit is $5,000. Benefits are payable after a period of 180 consecutive days of disability.

Definition of Disability

You will be considered disabled if, during the elimination period and the next 24 months of disability, you are unable to perform the duties of your “own occupation” and thereafter, you are unable to perform the duties of “any occupation.” For definition of terms, contact Human Resources at 513-529-9551.

LTD Maximum Benefit Period by Age

LTD Maximum Benefit Period By Age
Age at Disability	Maximum Benefit Period
Less than age 62	To Social Security Normal Retirement Age*
62	60 months
63	48 months
64	42 months
65	36 months
66	30 months
67	24 months
68	18 months
69 and over	12 months

Social Security Normal Retirement Age

Social Security Normal Retirement Age
Year of Birth	Social Security Normal Retirement Age
1937 or before	65 years
1938	65 years 2 months
1939	65 years 4 months
1940	65 years 6 months
1941	65 years 8 months
1942	65 years 10 months
1943-1954	66 years
1955	66 years 2 months
1956	66 years 4 months
1957	66 years 6 months
1958	66 years 8 months
1959	66 years10 months
1960 and after	67 years

*Social Security Normal Retirement Age as figured by the 1983 amendment to the Social Security Act and any subsequent amendments.

Human Resources

Miami University
Roudebush Hall, Room 15
501 E. High St., Oxford, OH 45056
513-529-3131
513-529-4223 (fax)

Jobs and Careers

Our Mission

Working alongside the various departments and units within Miami University, we strive to recruit, cultivate, acknowledge, and involve a diverse pool of talent to fulfill their goals and the overarching goals of the institution.