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Long-Term Disability

Group Policy Number: 724328
Phone number: 1-877-238-6200
Aetna Website: www.aetna.com

The University provides long-term disability insurance coverage to all regular full-time faculty and staff. Long-term disability insurance coverage is effective after the first full day of employment and enrollment in this benefit is automatic. This benefit provides income protection for approved medical disability extending beyond six months. Long-term disability benefits are administered and payable by the insurance carrier.

The insurance carrier is responsible for claim adjudication and will determine eligibility for benefits upon receipt of appropriate medical certification from a treating physician. It is the responsibility of the staff member to furnish evidence of disability satisfactory to the insurance carrier in order to receive benefit payments. The insurance carrier may withhold benefits under this policy in any case where doubt of disability exists. A physician's clearance for return to work will be required after any medical disability.

An eligible employee who is not a participant in the University's Defined Contribution Retirement Plan (TIAA-CREF) is eligible to receive 50 percent of his/her gross monthly earnings during an approved disability.

An eligible employee who is a participant in the University's Defined Contribution Retirement Plan (TIAA-CREF) is eligible to receive 60 percent of his/her gross monthly earnings during an approved disability.

The minimum monthly benefit allowed is $100 or 10 percent of your gross monthly benefit, whichever is greater. The maximum monthly benefit is $7,500.

The University reserves the right to require an independent medical exam by a designated health care provider at the expense of the University as a condition of providing an approved leave.

Long-term disability benefits may be reduced by other income an employee is receiving from sources such as Social Security, workers' compensation or retirement benefits.

The University reserves the right to change the Long-Term Disability Policy as it deems necessary.

Questions regarding this policy should be directed to your designated HR Service Partner.

Other Information:

Download LTD Plan Document

This page is designed to summarize the University of Hartford's Long-Term Disability insurance plan. It is not intended to be all inclusive. Where there are differences between the provisions of this website and more specific statements contained in University files (such as plan documents), those statements shall control.