Benefits Plans - Long-Term Disability Plans: Expanded Long-Term Disability -
Coverage During Leaves of Absence

As the table below shows, you continue to be eligible for coverage under the Expanded Long-Term Disability Plan during many different kinds of leaves. However, you must continue to pay your premium in order to continue coverage on that portion of your base salary.

Note: Continued coverage is not available during a reduction in force (RIF), educational leave, or military leave, or when coverage is available from another employer.

Leave of Absence Rules for the Expanded Long-Term Disability Plan
Type of Leave Benefits Based On Benefits Begin After (Whichever is Latest) Eligibility Accrues During Leave?1 Disability Coverage Continues
Child Care Base salary2 as of last day of pay Sick, vacation pay and/or PTO are exhausted

Waiting period

End of leave

No

For one year

Duty off Campus

Governmental Activity

Scholarly Activity

Staff Rotation (Short Term)

Base salary2 as of last day of pay Sick, vacation pay, and/or PTO are exhausted

Waiting period

Yes

Until leave ends
Family Medical (FMLA) Base salary2 as of last day of pay Sick, vacation pay and/or PTO are exhausted

Waiting period

No

Until leave ends
Personal Medical Base salary2 as of last day of pay

Sick, vacation pay and/or PTO are exhausted

Waiting period

No

For two years
Personal

All other Leaves Without Salary
Base salary2 as of last day of pay Sick, vacation pay and/or PTO are exhausted

Waiting period

End of leave

No

For one year
Seasonal 12 months of pay3

Sick, vacation pay and/or PTO are exhausted

Waiting period

Yes

Until leave ends
Sabbatical Base salary prior to leave4 Sick, vacation pay and/or PTO are exhausted

Waiting period

End of leave

Not applicable

Until leave ends
Phased Retirement Base salary2 per terms of phased retirement agreement Sick, vacation pay and/or PTO are exhausted

Waiting period

Not applicable

Until phased retirement ends
Retirement Furlough Benefits are not available because there is no loss of income and the person retires from one-year furlough.4

Educational Leave

Reduction in Force (RIF)

Military Leave

Coverage is not available.

Footnotes

1If there is a "Yes" in your "Eligibility Accrues During Leave" column, you will be enrolled when you meet your years of service criteria, even if you are on a leave when you meet the criteria. If there is a "No" in your column, you will not be enrolled automatically until you have returned to work in an eligible appointment for at least 20 continuous work days at the appointment effort that was in effect when your leave began.

2When calculating salary, the Benefits Office assumes that you have an ongoing appointment with the same percent of effort. When your salary fluctuates during the 12-month period prior to your last day of work, your benefits will be based on the greater of:

  • your annual base salary as of your last day of work, or
  • your annual base salary for the 12 consecutive months prior to the last day of work.

3Use your average base salary over the entire 12-month period as the basis for determining your predisability base salary.

4Benefits will not be paid in lieu of furlough or sabbatical.

 

Next: Plan Provisions

 

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.