Long-Term Disability

Basic Long-Term Disability

All full-time faculty and staff receive Basic Long-Term Disability (LTD) insurance after one year of employment (pre-existing conditions apply). The basic benefit will cover 60% of your monthly benefits eligible salary, up to a maximum of $10,000 per month, after 180 days of disability. Your benefit may be reduced if you receive Social Security or other income supplements while you are disabled. The maximum duration of your benefit is determined by medically supported need for disability as well as your age when you start receiving benefits. (Please note that there are some limited pay periods for certain disabilities as outlined in the Certificate Booklet.)

As a new hire, you may be eligible to have the one year waiting period waived. Please complete the LTD Prior Coverage Verification Form (PDF) and send to GW Benefits within 30 calendar days of your hire date.

Long-Term Disability Buy-Up Option

Full-time staff and faculty members have the option to elect a higher level of LTD coverage, known as the “Buy-Up” option. If you elect this option, your coverage will be 66 -2/3% of your monthly benefits eligible salary, up to a maximum of $12,000 per month, after 180 days of disability.

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