Long-Term Disability (LTD) income benefits are provided to all full time employees members after the completion of one (1) year of service. This insurance pays 60% of the employee's salary, to a maximum of $7,500/month, in the event that the employee is found to be disabled and unable to work. This plan also provides the disabled employee with continued contributions of a percentage of the paid monthly benefit into his/her retirement fund. If the disability is severe the percentage of coverage may be increased to 80% based on established criteria.

This benefit begins on the ninety-first day of illness and continues to end of disability or to age 65. The University pays the full cost of this coverage. 

For information on how to apply for LTD income benefits, contact the Office of Human Resources. 

Questions? Email benefits@ltu.edu  


Limitations
Lawrence Tech in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.

Every effort has been made to ensure the accuracy of the benefits information in this site. However, if any provision on the benefits plans is unclear or ambiguous, the Office of Human Resources reserves the right to interpret the plan and resolve the problem. If any inconsistency exists between this site and the written plans or contracts, the actual provisions of each benefit plan will govern. Lawrence Tech in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents.