Premiums deducted pay for benefit coverage one month in advance. For example, premiums deducted in March pay for April coverage. This section summarizes benefits provided to an individual who is unable to work due to total disability. Benefit payments are paid by a University payroll check issued the last working day of each month. Benefits will be pro-rated for any partial month.
Covered salary excludes overtime, summer salary and bonus payments.
For faculty, the insured salary is the academic or contract year salary and excludes any summer salary, honoraria, consulting fees, etc. If an individual is on an approved Leave of Absence Without Pay when disability begins, the covered salary will be the salary received immediately prior to the start of the leave of absence. Such employment must not conflict with a finding of total disability. How to apply for disability benefits An employee who is unable to work due to extended sickness or injury should use available sick time. After all available sick leave time has been used, an employee should apply for a Leave of Absence Due to Disability.