Long-Term Disability Insurance

Overview

Wayne State University provides long-term disability (LTD) insurance coverage to eligible employees at no cost. Long-term disability insurance through New York Life Group Benefit Solutions (formerly CIGNA) provides a monthly income benefit equal to 66-2/3% of your base salary to a maximum benefit of $7,000/month. Typically, LTD benefits would begin the later of 180 days of being disabled from your occupation or the exhaustion of your illness bank.  LTD benefits are offset by other income benefits associated with your disability including, but not limited to, Social Security Benefits and Worker's Compensation.

Eligibility

Eligibility for long-term disability insurance goes into effect on the first of the month following one year of 1/2-time or greater service. The 1-year waiting period may be waived with prior group long-term disability insurance (see below).

For questions regarding how to apply for long-term disability, contact Benefits & Wellness at (313) 577-3000. You may also call New York Life Group Benefit Solutions (formerly CIGNA) toll free at 1-800-362-4462 or 1-888-842-4462 and a representative will walk you through the process, or apply online at mycigna.com

Quick Links

Cost

The medical rates for persons receiving long-term disability benefits are subsidized by the University. View more information about medical rates. The University covers the cost of any existing life insurance coverage. If you were participating in the 403(b) retirement savings plan at the start of your disability, New York Life Group Benefit Solutions (formerly CIGNA) continues to contribute up to 15% of your last day of work salary to your retirement account(s).

Waiver of Waiting Period

Normally there is a one-year waiting period for eligibility in Wayne State University's long-term disability insurance coverage. However, a provision in our disability insurance contract allows us to waive the normal waiting period if you were covered under your former employer's group total disability insurance plan within 3 months of your WSU date of hire. Please provide verification (via an email from your former employer or a letter on your former employer's letterhead) that provides the following information:

  • Your name
  • Social Security Number
  • Name of former insurance carrier
  • Termination date of former insurance
  • Affirmation that the plan would have paid benefits for at least 5 years in the event of total disability

A copy of the plan document or brochure from your former employer explaining the plan should be attached to the email or enclosed with the letter. Verification from your former employer must be received by the HR Service Center within 90 days of your Wayne State University hire date for consideration.

Submit verification to Wayne State University, HR Service Center, 5700 Cass Ave., Suite 3638, Detroit, MI, 48202; Email: askhr@wayne.edu.