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Benefits for UMass Faculty and Staff

Long-Term Disability

LTD insurance is an income replacement program which provides eligible employees 50% income replacement if deemed disabled after 90 days of absence from work. LTD protects you in the event you become disabled, are unable to perform the substantial duties of your job and suffer a loss of income. The cost of this coverage is paid entirely by the employee.

Enrollment
You may enroll in LTD insurance coverage upon employment with coverage effective the first day of the month following 90 days of employment. Applications for LTD coverage may be filed at any time. The GIC may approve or deny delayed applications for benefits based on a medical evidence of insurability.

To enroll or drop LTD coverage: GIC Enrollment and Change Form. Return completed form to Human Resources…

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