Long-Term Disability Coverage
Tufts University contracts with Prudential Insurance Company of America to offer Long-Term Disability coverage to eligible employees.
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.
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
Estimating Monthly Premiums
If you enroll in the 40% option, the cost is calculated as Base Salary/$100.00 x $.21/12 = Monthly Premium.
- $30,000 (Base Salary)/$100.00 x $0.21/12 = $5.25 per month
- $50,000 (Base Salary)/$100.00 x $0.21/12 = $8.75 per month
If you enroll in the 60% option, the cost is calculated as Base Salary/$100.00 x $.50/12 = Monthly Premium.
- $30,000 (Base Salary)/$100.00 x $0.50/12 = $12.50 per month
- $50,000 (Base Salary)/$100.00 X $0.50/12 = $20.83 per month
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.
Benefits on LTD
If your application for LTD is approved, Tufts University will provide benefit plan coverage as follows for you, as long as you remain disabled and eligible under the terms of the LTD Plan.
If enrolled, you and your family will continue to be enrolled in the Tufts University Health Plan as of your “in-benefit” eligibility date (date when LTD income benefits begin) that Prudential designates. The university will pay the full cost for the continuation of your health coverage for up to 24 months while on LTD.
If enrolled and you meet the two conditions noted below, your death benefit protection will be extended while you are *Totally Disabled. Premiums for your University Funded Basic Life, Employee Optional Life and Dependent Life Insurance will be waived and coverage will continue at no cost to you as of the date Prudential receives documentation proof as described on page 17 of the Prudential Life and AD&D Plan Description (PDF).
- You become Totally Disabled while you are a Covered Person
- You are less than age 70 when your Total Disability starts.
*Definition of Total Disability: You are “Totally Disabled” when, due to sickness, injury or both, you are not able to perform for wage or profit, the material and substantial duties of any job for which you are reasonably fitted by your education, training or experience.
As part of your LTD benefit, a 401(a) contribution will be made in an amount equal to 5% or 10% of your annual salary prior to your disability. These contributions will be made directly to the retirement plan vendor you choose (Fidelity or TIAA) for as long as you remain disabled or until you reach the maximum age under the terms of the LTD plan. You can view your Retirement Plan statements online. Please contact Fidelity Investments (800-343-0860) or TIAA (800-842-2776) for information on your account.
If enrolled, your coverage under Delta Dental Premier Plan will continue for the first six months following your LTD approval date. For this six month period, you will be billed by Tufts Support Services (TSS) for the employee cost of your dental plan coverage. At the end of the six month period, your Delta Dental Plan coverage will be terminated and EBPA, our COBRA third party administrator, will send you a COBRA notice and information to assist in your decision regarding continued dental coverage.
If enrolled, your EyeMed Vision Plan coverage will continue for the first six months following your LTD approval date. For this six-month period, you will be billed by Tufts Support Services (TSS) for the employee cost of your vision plan coverage. At the end of the six-month period, your EyeMed Vision Plan coverage will be terminated and EBPA, our COBRA third party administrator, will send you a COBRA notice and information to assist in your decision regarding continued vision plancoverage.
If enrolled, your coverage under Prudential's Accidental Death and Dismemberment Insurance ends on your LTD approval date. There is no provision for continued coverage.
If enrolled, your participation in the Self-Funded Retirement Plan will be terminated effective the date you are approved for LTD benefits. Please contact Fidelity Investments (800-343-0860) or TIAA (800-842-2776) for information on your account.
For all other voluntary benefits, coverage ends as of your Long-Term Disability approval date. Please see Leaving Tufts.
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 (PDF) for more details.
How to Enroll
You can enroll in Long-Term Disability coverage using eServe within 31 days of becoming benefits-eligible, a qualifying life event, or during Open Enrollment. Prudential, will reach out to you directly to complete an Evidence of Insurability form and any required supplemental information. Once Tufts Support Services has received approval from Prudential, coverage will begin on the following schedule:
- A new or updated policy requested during Open Enrollment will go into effect on January 1 of the following year.
- Coverage requests not approved before January 1 will go into effect on the day Prudential approves your application.
- Policy requests for new employees will go into effect on the pay period following approval.
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.
Evidence of Insurability
You may be required to provide health information as part of “Evidence of Insurability” to Prudential Insurance Company when you request to enroll in this benefit or increase your coverage. The need to provide EOI is dependent on the type of insurance coverage and whether you are a new hire event, it is open enrollment, or within 31 days of a qualifying event.
EOI is always required if:
- You are applying as a new hire for Supplemental Life Insurance and the amount elected exceeds the "Guaranteed Issue Level".
- You are applying during open enrollment for Supplemental Life, LTD, or Dependent Life Insurance for your Spouse or Domestic Partner.
- You are applying within 31 days of a qualifying event for Supplemental Life Insurance and the amount exceeds the “Guaranteed Issue Level.
- You want to apply within 31 days of a qualifying event for Dependent Life Insurance for your Spouse/Domestic Partner or for LTD.
EOI is not required for AD&D Insurance or Dependent Life Insurance for children in any instance.
There is a pre-existing condition limitation for the 12 months following your new enrollment or increase in coverage level. This means that 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 (PDF) for more detailed information.
Additional information is available in the Long-Term Disability Description of Benefits (PDF). 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.