If you have been disabled for more than 26 weeks, you may be eligible for long term disability (LTD)benefits, which offers you financial protection. The long term disability benefit provides you with income replacement equal to 60 percent of your pre-disability base salary earnings up to $10,000 per month. Income you might receive from Social Security and workers compensation, if applicable, is part of this total amount
You are eligible for this plan after you have completed one year of benefits-eligible service or, if you had disability coverage with a prior employer, this waiting period may be waived
Princeton provides disability insurance at no cost to you. We enroll you in this plan automatically.
Applying for Long Term Disability Benefits
If, after three months, your health care provider indicates that your short term disability leave may extend beyond 26 weeks, the Office of Risk Management will mail you information about the University’s Long Term Disability Benefits Plan. Applying for long term disability benefits early and at this time will help you guard against an interruption in income in the event you are unable to return to work within your 26 week short term disability period and are approved for long term disability benefits.
For more information about long term disability benefits, contact Gwen Hatcher, Office of Risk Management at 258-1192 or email@example.com
If, when your 26 weeks of short term disability
benefits end, your application for long term disability benefits is pending, you might be placed on an unpaid leave of absence for 30 days. If your application is approved within this period , the long term disability benefit is retroactive to the end of your short term disability.
If, at the end of your 30 day unpaid leave of absence, your long term disability application is still pending, your unpaid leave of absence might be extended for an additional 30 days. However, if your application for long term disability benefits is denied, your employment will be terminated. There is no right-to-appeal provision with the long term disability insurance carrier for the decision of denial.
Other Benefits While You Are on Long-Term Disability Leave
If you are approved for long term disability the health and welfare benefits in which you enrolled as an active, benefits-eligible employee may continue as long as you continue to pay the required monthly premium. When you are on an approved long term disability leave, the University no longer pays you and, as a result, there is no paycheck from which to draw your benefits deductions. Therefore, the University bills you separately for your benefits.
In addition, the University continues to make pension contributions to your Princeton University Retirement Plan
account, based upon your pre-disability, annual base salary. These contributions continue until you are deemed no longer disabled, you retire or terminate, whichever comes first.
You can count on support from knowledgeable and responsive HR staff when you have a benefits question or problem. Just call or e-mail us. We’re here to help!
While the University intends to continue each of the benefit plans, the University reserves the right to terminate or amend any plan, at any time, and for any reason.