Long Term Disability
The plan replaces up to 60% of your base salary to a maximum monthly benefit of $12,500.
This plan is for employees with less than 3 years of full-time continuous service, unless the employee already qualifies for the Duke Disability Plan.
Voluntary Long Term Disability (LTD) benefits cover disabilities whether or not they are job related. However, benefits will be reduced by the amount of other income benefits you receive while disabled, such as sick/vacation leave, paid time off, Kiel, or Social Security. Regardless of these offsets, the minimum benefit is the greater of 10% of the Voluntary LTD benefit or $100.
When Benefits Begin
Voluntary LTD benefits begin after you have been totally disabled for four months if you are a Duke University employee. Benefits begin after you have been totally disabled for six months if you are a Duke University Health System employee.
If you had an employer-sponsored long term disability plan within 90 days of full-time employment to Duke, you may participate in the Duke Disability Program as of the first day of the month after your hire date (waiving the normal three-year waiting period). You can request that your immediate previous employer completes the Duke Disability Program - Request for Service Requirement Waiver form.
Alternately, proof of prior group LTD coverage may be submitted on your past employer's letterhead or business email and the statement of prior participation should also include the termination date of the disability coverage. Waiver requests can be emailed to email@example.com or faxed to the attention of our disability analyst at (919) 681-8774 within 90 days of your hire date.
An individual (non-group) LTD disability plan does not qualify for LTD waiver consideration.