Long-Term Disability 2018

Tufts University contracts with Prudential Insurance Company of America to offer Long-Term Disability coverage to eligible employees.

Choosing the Right Option for You

You may be required to provide evidence of insurability to Prudential Insurance Company as part of your request to enroll in this benefit or increase your coverage.

Go to eServe to make your benefit selection. Prudential will contact you directly for any required supplemental information. If Prudential approves your Open Enrollment request, the new or updated policy will go into effect on January 1 of the following year. For new employees, the new policy will go into effect on the pay period following approval.

Understanding Long-Term Disability

Long-Term Disability (LTD) is an income replacement plan that provides you with either 40% or 60% of your basic monthly earnings up to a maximum monthly benefit of $12,000. This is a voluntary benefit, meaning that if you enroll in LTD you will pay the full cost of coverage. The cost is deducted from your paycheck after taxes are taken. If you have a LTD benefit paid out to you, that money will not be taxed.

LTD benefits begin 180 days after your disability begins so it's important to contact Leave Administration as soon as you think you may need to request a leave of absence.

Enrollment Options

As a new hire, you are automatically enrolled in the 60% option for Long Term Disability.  If you wish to change to the 40% option or opt out of participation in the plan, you may do so within your 31-day new hire enrollment period.

If you were not enrolled as a new hire or have coverage but want to increase it, you can apply for these changes during any annual Open Enrollment period, which typically takes place in October/November.

To apply during Open Enrollment, indicate your interest in the LTD benefit in eServe. Prudential, our LTD provider will reach out to you directly to complete an Evidence of Insurability form. Once Tufts Support Services has received approval from Prudential, you will be enrolled in the benefit effective January 1 of the following year.

Coverage Options

You have two options to enroll in LTD coverage:

  • A 40% coverage level rate at $0.21 per $100 of earnings
  • A 60% coverage level rate at $0.50 per $100 of earnings

Calculating Your Monthly Premium

If your base salary is $30,000 and you enroll in the 40% option, the cost is calculated as follows:

  • $30,000/$100.00 x $0.21/12 = $5.25 per month

If your base salary is $30,000 and you enroll in the 60% option, the cost is calculated as follows:

  • $30,000/$100.00 x $0.50/12 = $12.50 per month

If your base salary is $50,000 and you enroll in the 40% option, the cost is calculated as follows:

  • $50,000/$100.00 x $0.21/12 = $8.75 per month

If your base salary is $50,000 and you enroll in the 60% option, the cost is calculated as follows:

  • $50,000/$100.00 X $0.50/12 = $20.83 per month

LTD Duration

If your disability begins before age 60, your LTD benefits are payable until your normal Social Security retirement age. If your disability begins after age 60, your benefits are pro-rated until age 69, with a minimum duration of 12 months from age 70 onward.

Enhanced Benefits

If you enroll, you also have access to enhanced benefits, including a conversion provision and a critical illness benefit.

  • A conversion provision means that you can convert your coverage to an individual policy if you leave the university for other employment.
  • The critical illness benefit pays an additional monthly amount for certain conditions. See the Long-Term Disability Description of Benefits for more details.

Pre-Existing Conditions

There is a pre-existing condition limitation for the 12 months following your new enrollment or increase in coverage level. This means that the insurance company, Prudential, will not cover a disability that is already known for 12 months from the date of your LTD plan enrollment or the date your increased benefit takes effect.

After the 12-month waiting period, any pre-existing conditions will be covered per the standard Prudential policy. Please see the Long-Term Disability Description of Benefits for more detailed information.

For More Information

Review the Long-Term Disability Description of Benefits.

To discuss the potential need for a leave, contact Leave Administration at leaves@tufts.edu.

To initiate a leave request or if you have questions about your Tufts University benefits, contact Tufts Support Services (TSS) at tss@tufts.edu or by phone at 617-627-7000.