2014 Benelect Guide - Disability

The purpose of this guide (print pdf version) is to provide you with an overview of Benelect the flexible benefits program at CWRU. This is not intended to be a comprehensive description of the benefit plans. Details of individual benefit plans are provided in legal plan documents and contracts that govern the operation of the program. Specific coverage information is contained in the individual summary plan descriptions available from the medical insurance carrier or Benefits Administration.

Short-Term Disability Coverage (Exempt and Non-exempt Staff [Cat. 2 & 3])

Short-term disability (STD) coverage provides you and your family with financial protection if you are temporarily unable to work as the result of a sickness or non-work related injury. The university pays for this coverage – there is no cost to you! Staff are eligible after 90 days of service. After 14 days of disability, STD pays 50 percent of salary up to a maximum of $400 per week. The benefit covers up to 26 weeks of disability.

Long-Term Disability Coverage (All Benefits Eligible Employees)

View the Disability Insurance Certificate of Coverage - Faculty, Key Administration and Senior Staff (pdf) or the Disability Insurance Certificate of Coverage - Exempt and Non-exempt Staff (pdf)

Long-term disability (LTD) coverage provides you and your family with important financial protection if you are ever disabled. The university pays for this coverage there is no cost to you! You receive 60 percent of your pay, minus any primary Social Security payments, workers compensation and other group LTD benefits you receive while you are disabled for longer than 180 days. The maximum monthly benefit is $6,000; the minimum monthly benefit is $100. LTD payments continue until:

  • your disability ends,
  • you begin working,
  • your retirement,
  • your death,
  • or if you became disabled at age 60 or later, refer to the following schedule.
Age at Disability Maximum Benefit Period
Less than age 60 To age 65 (but not less than 60 months)
60 60 months
61 48 months
62 42 months
63 36 months
64 30 months
65 24 months
66 21 months
67 18 months
68 15 months
69 12 months

LTD coverage is in addition to the university's income protection plan, which allows staff members to draw from their balance up to a maximum of 26 weeks within any twelve month time period for personal medical leave, depending on your accrued balance. LTD benefits are subject to other sources of income and are taxable when paid to you.