Benefits Plans - Long-Term Disability Plans: Basic Long-Term Disability

Eligibility for Basic Long-Term Disability Coverage

  • AFSCME members at four continuous years of service
  • Faculty (except Supplemental faculty) and staff hired prior to September 1, 1981 who are currently enrolled in the plan
  • Trades members hired prior to August 1, 1986, who are currently enrolled in the plan

Enrollment in Basic Long-Term Disability Plan Coverage

Active AFSCME members are enrolled in Basic Long-Term Disability (Basic LTD) automatically at no cost to the employee after four continuous years of service with any appointment greater that zero percent effort. Long-term disability coverage is not available before four years of service.

Eligibility for Plan Benefits

You must be unable to do your job or any other job for which you are reasonably suited by education, training, or experience. Your disability or impairment must be expected to last for a continuous period of at least 12 months from your last day of work.

Long-Term Disability Benefits Begin Date

Your Basic Long-Term Disability benefits will begin after you have exhausted all paid time benefits, including but not limited to short-term sick time pay, extended sick time pay, vacation accrual, and/or Paid Time Off (PTO) accrual.

Income Replacement Benefits and Taxes

You will receive up to $1,200 per month. The university will coordinate your Basic LTD income benefits with other disability income, such as Social Security. All Basic LTD income replacement benefits are taxable and the university will continue sending you a W-2 form each year.

Effect on Other U-M Benefits

The U-M benefit plans in which you are enrolled as of your last day of pay will be continued, including coverage for your eligible dependents enrolled on your benefits as of your last day of pay.

The following benefits will be continued at no cost to you:

  • U-M health plan with prescription drug coverage
  • Dental Plan Option 1
  • Employee Life Insurance
  • Basic Retirement Savings Plan university contributions

You can continue the following plans by paying the monthly premiums or contributions:

  • Dental Plan Option 2 or Option 3
  • Vision Plan
  • Legal Services Plan
  • Dependent Life Insurance
  • Flexible Spending Accounts

For More Information

Download the Basic LTD Plan Book (PDF) for complete details.

How to File a Claim for Long-Term Disability Benefits

 

Limitations
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.