Long Term Disability (LTD)

In the event that a Saint Louis University employee becomes ill or disabled, this long-term disability interrupts the employees earning ability and the economic impact can be severe. The group Long Term Disability insurance provided by Reliance Standard Life Insurance Company, is designed to replace a substanial part of lost income in the event of total disability.

Benefits begin after three months of disability or the exhaustion of sick leave not to exceed six months. The plan pays 60% of salary up to $15,000 per month. Benefits will be reduced by payments received under Workers' Compensation and/or Social Security laws.

The University pays the entire cost of this coverage up to a base annual earnings of $36,000. A small payroll deduction is assessed for coverage on base earnings in excess of $36,000. This coverage is automatic, as a condition of employment, after one year of full-time service, or if a new employee is transferring from another group disability plan.

Certification of Previous LTD Coverage