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Disability Benefits
- Guide to Long-Term Disability (pdf) (Revised 10/08)
- Long Term Disability Summary Plan Description (PDF)
- Short Term Disability AFUM Summary Plan Description (PDF)
- Short Term Disability Summary Plan Description (PDF)
- Rider to Group LTD and STD Plans - Effective 11/1/07 (PDF)
Integrated Disability Management
The University of Maine System sponsors a short-term disability (STD) program and a long-term disability (LTD) program - both insured through Prudential.
Short-Term Disability (STD)
The cost of the STD program is fully paid by employees with after tax payroll deductions. As a result, any benefits payable are not taxable.
Not all employees are eligible to participate in the short and long term disability programs.Any questions regarding eligibility should be directed to the appropriate Campus Benefits Office.
Preexisting Conditions: The STD plans have a preexisting condition provision. That is, if you were treated (or if a prudent person would have been treated) for a condition within 3 months prior to entering the plan (either as a new hire or during the annual open enrollment), STD benefits are not available during the first 12 months of coverage for that condition only. STD coverage is immediately available for other conditions.
Premium Rates for Short-Term Disability
All costs per $1,000 of coverage (annual base salary)
| Group | Monthly | Biweekly |
|---|---|---|
Employee Cost |
Employee Cost |
|
| Non-Faculty | .4423 |
.2041 |
| Faculty | .6538 |
Follow these steps to calculate paycheck deduction:
- Divide annual base salary by 1,000
- Multiply the amount in #1 by the appropriate rate found above
See also: Understand Your Pay Stub & Paid Leave
Long-Term Disability (LTD)
The cost of the Long Term Disability (LTD) program is fully paid by the University of Maine System. As a result, any benefits payable are taxable.
Employees must be in an eligible group, and coverage commences on the date of hire or on the date of eligibility (i.e., applicable status change).
Related Information:
- Family Leave Policies
- Paid Leave
- Board of Trustees Policy: Health Insurance for Retirees and Former Employees on Long Term Disability
Contact Benefits
The above is a brief summary of benefits offered by the University of Maine System. Detailed brochures/booklets are available online, at the local University Office of Human Resources, or at the System Office of Human Resources.
If you have a question about your benefits coverage, benefit deduction amounts or any other benefit related question, contact your Campus Benefits Office. Be prepared to give your Employee ID number.
Last Updated: October 2, 2008