Academic Disability Program Provost’s Department Chairs Leadership Program Human Resources Office...
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Academic Disability Program Provost’s Department Chairs Leadership Program HumanResources Office of March 26, 2009
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Academic Disability Program Provost’s Department Chairs Leadership Program
HumanResourcesOffice of
March 26, 2009
Agenda
HumanResourcesOffice of
• Program Philosophy
• Medical Leave
• Long-Term Disability
• Resources for Difficult Situations
Medical Leave
HumanResourcesOffice of
• Up to 3 months at full pay
• Some situations may not be paid
• Taxable to recipient
• Paid by the department
Medical Leave - Example
HumanResourcesOffice of
• John is in a car accident on December 31, 2008. His medical leave begins on January 1, 2009.
• Assuming his doctor certifies that he is unable to work for this time period, his medical leave ends on March 31, 2009.
• John needs to call The Standard no later than January 14, 2009.
Long-Term Disability
HumanResourcesOffice of
• Most faculty and P&A staff who hold a 67% appointment for a minimum of 9 months in a year are eligible. Participation is automatic and coverage begins on the first day of employment.
• Benefits begin at the fourth month of disability and continue to normal retirement age under Social Security. Benefit durations differ for individuals who become disabled at age 62 or older.
• Self-insured for months 4 through 12, insured benefit with The Standard beginning month 13
Long-Term Disability Components
HumanResourcesOffice of
• Income replacement
• Subsidized health coverage
• Retirement plan contributions
• Waived life insurance premiums
Long-Term Disability Income Replacement
HumanResourcesOffice of
• Self-Insured Benefit – Depending on years of service, faculty may receive from 66 2/3% to 100% of expected salary for up to a maximum of 12 months from date of onset.
• Insured Benefit – Beginning month 13, The Standard provides 66 2/3% of pre-disability earnings.
• Income replacement is taxable to the recipient.
Long-Term Disability - ExampleIncome Replacement
HumanResourcesOffice of
• John has 10 years of service, holds a 12 month appointment, earns $80,000 annually and continues to be certified as totally disabled.
• He will receive 100% of pay beginning on the date of his accident, December 31, 2008, through December 30, 2009.
• If he continues to be certified as disabled past this date, he will receive 66 2/3% of pay, beginning December 31, 2009.
Long-Term Disability Subsidized Medical and Dental Coverage
HumanResourcesOffice of
• Depending on length of service, University subsidy to medical and dental care continues for up to a maximum of 24 months total.
• After the end of the subsidy period, medical and dental coverage can be continued indefinitely during a period of disability by paying the full cost of the benefit.
Long-Term Disability - ExampleSubsidized Medical Coverage
HumanResourcesOffice of
• John has 10 years of service, holds a 12 month appointment, and continues to be certified as totally disabled.
• He will pay the same amount for his medical coverage as an active employee through December 30, 2010.
• If he continues to be certified as disabled past this date, he can purchase medical coverage (by paying full cost of the benefit) indefinitely.
Long-Term Disability Retirement Plan Contributions
HumanResourcesOffice of
• Faculty Retirement Plan contributions will continue to be made during a certified period of disability.
• If totally disabled, no employee contributions are required during this time, yet the contributions continue to be funded at the full amount of 15.5% of covered salary.
• Contributions continue while receiving disability benefits. If not yet eligible for the plan, no contributions are made.
Long-Term Disability Waiver of Life Insurance Premiums
HumanResourcesOffice of
• Life insurance coverage remains in effect while on disability.
• After 6 months of total disability, no premium payments are required, based on a waiver provision in the UPlan’s life insurance policy.
• The waiver remains in force as long as the recipient continues to be certified as disabled, until his or her 70th birthday.
Long-Term Disability Difficult Situations
HumanResourcesOffice of
• Phased Retirement
• Partial Disabilities
• Recurring Disabilities
• Accommodations
• Outside Income
Need Additional Information?
HumanResourcesOffice of
Employee Benefits
Kathy Donohue 626-0094
Katie Deno 626-6274
www.umn.edu/ohr/benefits/disability/index.html
UReturn
612-624-3316
ds.umn.edu/ureturn
