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Definition of Disability

Question: How does the LTD Plan define disability?

Answer: University disability plans define disability as a time when you are totally disabled, no longer able to engage in any occupation or employment for which you are suited by education, training or experience, and the disability is expected to last at least 12 months from your last day of work. If you are a practicing physician, the Expanded LTD Plan, under a special provision, will provide partial disability coverage.