Benefits Plans - Long-Term Disability Plans: Expanded Long-Term Disability -
Plan Limitations and Interpretations

If you are totally disabled and receive benefits from the Expanded Long-Term Disability Plan, you will maintain your service date for seniority and service award purposes but only upon your return to work from disability. Participating in this Plan does not mean you are entitled to receive retirement benefits from Fidelity and/or TIAA-CREF unless you retire or terminate employment and meet the eligibility requirements for receiving these retirement benefits.

You may not alienate, encumber, or assign any of the benefits under this Plan. Any such attempt will be void. Neither university funds nor any benefit provided by this Plan will be liable for or subject to the debts or liability of any faculty or staff member. If you attempt to hold the university or the Plan liable in this manner, your interest in the Plan may be terminated, or payments may be withheld or applied as deemed proper for your benefit.

If you become legally, physically, or mentally incapable of receiving or acknowledging the disability cash benefits due under this Plan, for your protection the Plan Administrator may withhold benefit payments, or may make the payments to the person(s) or institution that is then responsible for your custody and maintenance. When your duly appointed guardian or legal representative makes proper claims for benefit payments, the Plan Administrator will then make payments to your guardian or legal representative.

The university, at its sole discretion, has the right to redeem in cash all past, present, and future claims for cash and benefits under this Plan. If you accept this settlement, it will result in your termination and agreement not to return for employment at the University of Michigan.

University medical records will not be released to you without the physician's approval. If you want to see your medical files, you must contact the Long-Term Disability Coordinator.

The university intends to maintain this Plan for the benefit of its faculty and staff but necessarily reserves the right to amend or discontinue any or all of the provisions of this Plan.

Who is authorized to interpret the plan?

The University of Michigan authorizes the Plan Administrator to interpret the administration of the Plan. The Plan Administrator will make all such interpretations in writing. Under the supervision of the University of Michigan Vice President and Chief Financial Officer, the Benefits Office is the current Plan Administrator and is authorized to interpret the administration of the Plan.

You should not rely on any other representation—verbally or written—that any other person may make concerning Plan provisions and any benefits to which you are entitled.

Does my eligibility for this Plan guarantee my employment?

No. Nothing in this Plan or this description guarantees your right to employment with the University of Michigan.

Can the Plan be changed or ended?

The university reserves the right to amend, modify, or discontinue this Plan at any time and for any reason.

Who can I contact for more information?

Long-Term Disability Coordinator
University of Michigan
Benefits Office
Wolverine Tower—Low Rise G250
3003 South State Street
Ann Arbor, Michigan 48109-1278
(734) 615-2000, Option 1


Next: Definition of Terms


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.