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Insurance

Long-Term Disability (United HealthCare)

Long-Term Disability (United HealthCare)
Policy Number: 303972
Customer Service: 1-888-299-2070


United HealthCare will continue to administer the Long-Term Disability Plan for the 2018 plan year. 

Long-Term Disability Benefits
A lengthy disability can be devastating. People insure their homes, cars and/or health but many times forget about insuring their income! Long-Term Disability will pay 60% of your salary (up to a maximum of $12,000 a month). Disability Benefits are paid if you are considered disabled and you satisfy a waiting period of 90 days and exhaust your sick leave. If you are disabled before the age of 60, the benefit will continue until Social Security Normal Retirement Age. If you are disabled after you turn 60, a reduced benefit period applies based on the age you become disabled.

Eligibility
Any active LSUS employee is eligible for Long-Term Disability coverage provided the following:
- Employed at 75% of full-time effort or greater (at least 30 hours per week)
- Appointed for a duration of at least one semester or greater (121 days or greater)

Enrollment
New hires are guaranteed issue within their first 30 days of employment and will only need to complete an enrollment form to elect coverage. After the 30th day of employment with LSUS, employees will have to apply for coverage and will need to complete an enrollment form AND an Evidence of Insurability form.  The Evidence of Insurability form will then go through a medical underwriting process and may be approved or denied. It is very important to consider this coverage as state employees do not pay into social security and may not qualify for social security disability benefits. Employees may apply for long-term disability coverage at any time during the plan year.

Forms and Resources
1) Long Term Disability Summary of Benefits
2) Long Term Disability Plan Document - 60% benefit
3)Watch a brief video: Please click on the following link for a video presentation of the plan: http://www.brainshark.com/UHCSB/LSU_DISABILITY
4) Long Term Disability Premium Calculation Sheet
4) Long Term Disability Evidence of Insurability Form 
5) Long Term Disability Claim Form
7) Long Term Disability Portability Form

Pre-Existing Condition Restrictions
The Plan will not coverage any Disability during the first 12 months after your effective date of coverage that is caused by or contributed to, or resulting from, a Pre-Existing Condition or medical or surgical treatment for a Pre-Existing Condition.
Pre-Existing Condition means any Sickness or Injury for which you, within 3 months prior to your effective date of coverage:
1. were diagnosed by or received treatment from a legally qualified physician; or
2. had symptoms for which a prudent person would have sought treatment

Premiums

To calculate premiums: Multiple your monthly salary x .00482.
Some examples are as follows:
Annual Salary          Monthly Premium
30,000                    $12.05
40,000                    $16.07
50,000                    $20.08
Premiums are deducted on a post-tax basis (not eligible for Premiums Only Plan). The premium sheet is listed above under "forms and resources."

Terminating Employees
Coverage terminates on the last day of the month in which the person is employed.

Portability
This plan is eligible for portability. Employees who have terminated coverage and wish to "port" coverage must submit the completed "Portability" form to UHC within 31 days of the last date of coverage. 

Long Term Disability (Grandfathered Plan)
Some employees are currently enrolled in a "grandfathered" LTD plan that pays a 66 2/3% benefit rather than a 60% benefit.  This benefit is no longer available to new hires. There is a separate summary of benefits and plan document for the grandfathered plan.
Click here to reivew the plan document for the 66 2/3's benefit. 
Click here to review the summary of benefits.