Long Term Disability Benefit

At no cost to you, the College provides the Long Term Disability (LTD) Plan to protect you and your family from income loss while you are seriously ill or injured for an extended period of time. Benefits eligible employees will be automatically enrolled in this benefit on their date of hire.

You will receive a Monthly Income Benefit after six months of total disability which is coordinated with other sources such as, Social Security and Worker’s Compensation. Together, these two income sources are designed to replace 60 percent of your total monthly salary up to $20,000 per month. In no event will your Monthly Income Benefit be less than $100. Long term disability benefits will continue as long as you remain disabled, in accordance with plan provisions as follows:

Maximum Benefit Period: Determined by your age when Disability begins, as follows:


Maximum Benefit Period

61 or younger

To age 65, or to SSNRA, or 3 years 6 months, whichever is longest.


To SSNRA, or 3 years 6 months, whichever is longer.


To SSNRA, or 3 years, whichever is longer.


To SSNRA, or 2 years 6 months, whichever is longer.


2 years


1 year 9 months


1 year 6 months


1 year 3 months

69 or older

1 year

Social Security Normal Retirement Age (SSNRA) means your normal retirement age under the Federal Social Security Act, as amended.

Insurance Certificate