Long-Term Disability Insurance
General Information and Forms
Overview of Long-term Disability Insurance Benefits
Your LTD benefit provides a monthly income benefit equal to a percentage of your monthly wage base. Benefits begin after 180 daysof being disabled from your own occupation and are offset by other income benefits associated with your disability including but not limited to, Social Security Benefits and Worker's Compensation. The medical rates for persons receiving LTD benefits are subsidized by the university. The university covers the cost of any existing life insurance coverage. If you were participating in the retirement plan at the start of your disability, The Standard contributes up to 15% of your last day of work salary to your retirement funds.
For questions regarding how to apply for long-term disability, contact Benefits & Wellness at (313) 577-3000. You may also call CIGNA toll free at 1.800.562.8421 and a representative will walk you through the process, or apply online at Cigna.com/customer-forms. Refer to the CIGNA brochure, located under General Information and Forms box to the right.
The long-term disability income benefit is 66-2/3% of your base salary to a maximum benefit of $7,000/month.
Long-term disability insurance coverage is effective on the first of the month following one year of 1/2-time or greater service. The waiting period may be waived with prior group long-term disability coverage.
Waiver of Waiting Period
Normally there is a one-year waiting period for 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 three months of your effective date here. Please provide verification (via an email from your former employer or a letter on your former employer's letter head) to: Wayne State University, HR Service Center, 5700 Cass Ave., Suite 3638, Detroit, Mi, 48202. The verification should give the following information:
- Social Security Number
- Name of Insurance Carrier
- Termination Date of 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 explaining the plan should be attached to the email or enclosed with the letter.