Policy 604 - Long Term Disability

22604. Long Term Disability

Statement

Santa Clara University employees are covered by a voluntary long term disability insurance plan provided by the University.

Definition

When a benefits eligible employee, who, as a result of an injury or sickness, becomes unable to perform the material duties of their regular occupation and when in the care of an attending physician, is deemed by the University’s long-term disability insurance provider to be Totally Disabled for 360 consecutive days.

Eligibility

All Santa Clara University employees working at least 20 hours a week in a regular position, and faculty members working under a formal phased retirement agreement approved by the Office of the Provost, are covered under the University’s long-term disability insurance plan.

Benefits

Eligible employees will receive 66 2/3% of covered earnings, up to a maximum benefit of $10,000 per month. Long-term disability benefits will be reduced by any dollar amount received as worker’s compensation, social security, disability benefits from another insurance company, retirement plan, settlement agreements, and any wages earned.  Specific individual amounts of long-term disability benefits to which an eligible employee may be entitled will be calculated in accordance with the long-term disability insurance plan document.  

Duration

Benefits will not extend beyond the longer of: Social Security Normal Retirement Age or Duration of Benefits below:

Age When Disability Occurs Maximum Benefit Period
61 or less To age 65
62 3 1/2 years
63 3 years
64 2 1/2 years
65 2 years
66 1 3/4 years
67 1 1/2 years
68 1 1/4 years
69 or more 1 year

Certification

A claim form must be filed no later than 90 days after the 360-day elimination period of the occurrence of the disability. A completed Attending Physician Statement signed by the individual’s doctor and documentation from other benefits sources applied for must accompany the claim form.

Responsibility

It is the responsibility of the employee to contact the supervisor and the Department of Human Resources to notify them of the disability. In order to receive long-term disability benefits, the employee must ensure that the proper certification has been filed with the University’s long-term disability plan administrator.

Resources

Refer to the Family and Medical (614)Pregnancy Disability (622), and Industrial Disability (615) leave policies for procedures related to specific leave applications. Contact Human Resources for more information regarding this benefit. 


Policy Approved: October 23, 1998
Last Updated: November 5, 2018

Maintainer: Human Resources

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