Benefit Groups - Long-Term Disability (LTD) Recipients
The Benefits Office administers offers its Long-Term Disability (LTD) recipients a broad selection of benefits options. If you have questions, call the HR/Payroll Service Center at 734-615-2000 or 1-866-647-7657 (toll free for off-campus long-distance calling within the U.S.) from 8:00 a.m. - 5:00 p.m., Monday - Friday, and ask to speak with a Long-Term Disability representative.
Definition of Disability
The university's Claims Administrators have determined, at their sole discretion, that you are completely unable, except during periods of rehabilitative employment, by reason of any medically determinable physical or mental impairment, to engage in any occupation or employment for wages or profit for which you are reasonably suited by education, training, or experience. The impairment must be expected to result in death or to have lasted or be expected to last for a continuous period of not less than 12 months from your last day of work.
If you are a practicing physician, the Expanded Long-Term Disability Plan, under a special provision, will provide partial disability coverage.
- Basic Long-Term Disability Plan
- Expanded Long-Term Disability Plan
- Medicare: How It Impacts Your U-M Medical Coverage
- Definitions of Terms for Long-Term Disability
The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.