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Long-Term Disability (LTD) Optional Insurance
Faculty, Staff & Librarians — Benefits Summary

If information in this chart differs from information in the Long Term Disability Plan Book, the plan book will prevail.

Definition of Disability	First 24 months: inability to perform the material duties of your own occupation due to a sickness, injury, or pregnancy. Thereafter: you are unable to perform the material duties of any gainful occupation for which you are reasonably able through education, training, and/or experience.
Monthly Benefit	60% basic monthly UW appointment salary (maximum insurable salary = $10,000 per month).
Benefit Offsets	Benefits can be reduced by amounts received from Workers Compensation, Social Security, retirement, earnings paid by your employer, or other group coverage.
Disability Caused by HIV	Covered, subject to the pre-existing condition clause.
Drug Adiction/Alcoholism	Maximum 24 month benefit period.
Mental and Nervous Disorders	Maximum 24 month benefit period unless confined to hospital.
Pregnancy/Delivery	Covered, unless pre-existing condition.
Working While Disabled	Yes, if schedule is reduced due to disability. Additional Return to Work Incentive available once receiving LTD Benefit.
Cost of Living Benefit	Yes.
Pre-Existing Conditions	Definition: A pre-existing condition is one for which you have consulted a physician, received medical treatment or services, or taken prescribed drugs or medication during the 90 days preceeding the effective date of coverage. Coverage for such a condition would be available after insurance is in effect for 12 consecutive months, if you are actively at work at least one full day after the end of the 12 month Exclusion Period.
Waiting Period	Options: 30, 60, 90, 120, 180, 240, 300, 360 days.
Maximum Benefit Period	Normal benefits to age 65; duration of benefits decreases progressively from age 65 to 69. After age 69, maximum is 12-month duration of benefits.
Monthly Premiums	Premiums are a percent of pay and vary with waiting period and retirement plan eligibility.
Exclusions	War; intentionally self-inflicted injury while sane or insane.
Death Benefit	If you are receiving benefit payments at time of death, survivor benefits could continue for a maximum amount of three times your monthly LTD Benefit.
Dependent Coverage	No.
Conversion Privilege After UW Employment Ends	No.
Name of Insurance Company	Standard Insurance Co . 900 Southwest Fifth Ave. Portland, OR 97204
More Information	For specific details about the plan, refer to the Long Term Disability Plan Book.

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