Long Term Disability (LTD)

Provided through The Hartford

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 

The Office of Human Resources administers the Long Term Disability Plan.

If, after three months, your health care provider indicates that your short term disability leave may extend beyond 26 weeks, you will be mailed 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 the benefits team at 258-3302 or benefits@princeton.edu .

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 benefits 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 long term disability insurance carrier for the decision of denial.

LTD Buy-up Plan

The LTD Buy-up Plan offered through The Hartford allows you to elect a higher level of LTD coverage to supplement the Core LTD Plan. If you elect the LTD Buy-up Plan, your coverage will be 66.67% of your pre-disability base salary earnings up to a maximum monthly benefit of $15,000 per month. The buy-up rates are listed in the chart on page 35 of the Benefits booklet, and the cost is deducted on an after-tax bases from your pay. You will have 31 days from the date that you become eligible for the Core LTD plan to elect the LTD Buy-up Plan. You will have the opportunity to apply for the LTD Buy-up at any time during the year after you become eligible for the Core LTD Plan, but you will be required to apply through The Hartford's evidence of insurability (EOI) process. All enrollments into the LTD Buy-up Plan will be processed by Winston benefits and not through HR Self Service.

To enroll through Winston Benefits, call (855) 393-3601, Monday through Friday, 8;30 a.m. to 8:00 p.m., or visit www.myprincetonbenefits.com.

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.