Long-Term Disability Insurance

The College provides full-time employees long-term disability insurance which is integrated with Social Security benefits and benefits from other forms of disability compensation. LTD coverage is effective the first of the month following 30 days of continuous employment, as long as the employee is actively at work on the day coverage is due to become effective.

A pre-existing limitation applies to conditions for which an employee receives medical services within three months of the effective date of coverage. No benefits are payable for a disability resulting from such a condition until the employee has been covered for three consecutive months with no medical care for the condition or until the employee has been covered for 12 consecutive months.

LTD provides income when an injury or illness results in an employee’s continuous disability beyond a 90-day elimination period. If approved by the insurance carrier, the monthly income benefit is 60 percent of the employee's base monthly earnings in effect immediately prior to disablement. If secondary disability income benefits are received, the maximum total monthly benefit from all benefit sources will be 70 percent of the base monthly earnings. The program complies with the Age Discrimination Act for disability occurring after age 60. 

In addition to the monthly income benefit, the insurance company will make a monthly payment to the disabled employee's basic retirement plan.

LTD insurance brochure

Worldwide Emergency Travel Assistance

HR contact: Julie Nohrenberg at 531-622-2232 or Karla Stoltenberg at 531-622-2235