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Difference Between Expanded LTD and Extended Sick Benefit


Question: Is LTD the same as the extended sick benefit that the university already provides to faculty and staff members after 2 years of service?

Answer:

No, the extended sick benefit is a separate plan and is only offered to you if you have at least 2 years of eligible service. The extended sick plan provides salary replacement for up to 1 year for staff (6 months full pay, 6 months half pay) and up to 2 years for tenured faculty (1 year full pay, 1 year half pay.) Please see the Standard Practice Guide 201.11-0 for staff and 201.11-1 for faculty for specific eligibility criteria.

If your disability is expected to continue beyond 12 months, LTD benefits would provide income replacement and benefits continuation until age 65 in most cases.