Long Term Disability

Currently Scheduled Open Enrollments

Florida Gulf Coast University (LTD)	March 3 - May 30
Florida State University (LTD)	March 3 - May 30
University of North Florida (LTD)	March 3 - May 30
University of Florida (LTD)	Fall Semester
Sante Fe Community College (LTD)	Fall Semester
Florida Atlantic University (LTD)	March 10 - May 30
Florida International University (LTD)	Fall Semester
University of Central Florida (LTD)	March 17 - May 30
New College of Florida (LTD)	March 31 - May 30
University of South Florida (LTD)	March 31 - May 30
University of West Florida (LTD)	March 31 - May 30

LTD Plan Details Brochure and Application
LTD FAQ
Income Protection Worksheet
Long Term Disability Facts & Figures

What is a disability?

 

Accidents or injuries, illness, or maternity that limit you from performing the material and substantial duties of your regular occupation for the period specified in your certificate, and then any occupation for which you are reasonably suited for by education, training, or experience.

 

What can Long Term Disability coverage do for you?

 

Losing your ability to work can be an emotionally and financially devastating event for you and for your family.  Long Term Disability Insurance will replace 2/3 of your university income, tax-free, in the event that you are unable to work due to injury or illness. 

 

The premium for the 90-day elimination period option is $.61 per $100 of covered monthly salary; for an additional $.33 per $100 of covered monthly salary, you can begin receiving benefits a full 60 days earlier in the event of a disability.  Sample deductions are enclosed for your review. The maximum monthly benefit is $9,000. Your coverage will become effective January 1, 2007. Deductions from your pay will begin in the month in which it takes effect. 

 

Consider this . . . 3 out of every 10 workers between the ages of 25 and 65 will experience an accident or illness that keeps them out of work for three months or longer. *This program is an inexpensive way to protect your income, yourself and your family. We encourage you to take advantage of this important protection.

 

How do you apply?

 

To apply for coverage, fill out the application at the end of the "Group Long Term Disability Insurance" packet linked to this news item, and turn it in to your Human Resources Department. Be sure to indicate if you are a "New Applicant" without current coverage, or if you are making a “Change of Coverage” to change your elimination period.

 

For more information, contact the Gabor Agency at (800) 330-6115, option 5.

 

 

 

*1985 Commissioner’s Individual Disability Table, Society of Actuaries.