What are the benefit details of LTD?

Most employer/congregations self-fund the first 90 days of their employees' disability.

The UUA's Office of Church Staff Finances does not offer Short-Term Disability insurance.

• Check out our Guide to Benefits (PDF).

• Life & LTD Certificate Booklet (PDF)

Benefit Provisions

• Income Replacement: Sixty Percent (60%) of pre-disability salary of the insured employee (salary plus housing allowance in the case of ordained clergy).
• Rehabilitation and Return to Work Assistance Benefit and
• Dependent Care Expense Benefit

Maximum Period of Payment

• For participants whose age at disability is less than 60, the maximum period of payment is to age 65, but not fewer than 5 years.
• If age at disability is 60, the maximum period of payment is 60 months.
• If age at disability is 61 or beyond, the maximum period of payment gradually declines, and is 48 months or fewer, but not fewer than 12 months, as per the payment table in the coverage booklet.
• For all disabilities due to mental illness the plan allows up to 24 months lifetime cumulative maximum benefit period.
• The insurance company will not apply the mental illness limitation to dementia if it is a result of stroke, trauma, viral infection, Alzheimer's disease or other conditions not listed which are not usually treated by a mental health provider or other qualified provider using psychotherapy, psychotropic drugs, or other similar methods of treatment.

An employee is disabled when the insurance company determines that:

• They are limited from performing the material and substantial duties of their regular occupation due to their sickness or injury; and
• (after the elimination period) they have a 20% or more loss in their indexed monthly earnings due to the same sickness or injury.