1. Academic Disability Program Provost’s Department Chairs Leadership Program Human Resources Office of March 26, 2009

2. Agenda Human Resources Office of Program Philosophy Medical Leave Long-Term Disability Resources for Difficult Situations

3. Medical Leave Human Resources Office of Up to 3 months at full pay Some situations may not be paid Taxable to recipient Paid by the department

4. Medical Leave - Example Human Resources Office of John is in a car accident on December 31, 2008. His medical leave begins on January 1, 2009. Assuming his doctor certifies that he is unable to work for this time period, his medical leave ends on March 31, 2009. John needs to call The Standard no later than January 14, 2009.

5. Long-Term Disability Human Resources Office of Most faculty and P&A staff who hold a 67% appointment for a minimum of 9 months in a year are eligible. Participation is automatic and coverage begins on the first day of employment. Benefits begin at the fourth month of disability and continue to normal retirement age under Social Security. Benefit durations differ for individuals who become disabled at age 62 or older. Self-insured for months 4 through 12, insured benefit with The Standard beginning month 13

6. Long-Term Disability Components Human Resources Office of Income replacement Subsidized health coverage Retirement plan contributions Waived life insurance premiums

7. Long-Term Disability Income Replacement Human Resources Office of Self-Insured Benefit – Depending on years of service, faculty may receive from 66 2/3% to 100% of expected salary for up to a maximum of 12 months from date of onset. Insured Benefit – Beginning month 13, The Standard provides 66 2/3% of pre-disability earnings. Income replacement is taxable to the recipient.

8. Long-Term Disability - Example Income Replacement Human Resources Office of John has 10 years of service, holds a 12 month appointment, earns $80,000 annually and continues to be certified as totally disabled. He will receive 100% of pay beginning on the date of his accident, December 31, 2008, through December 30, 2009. If he continues to be certified as disabled past this date, he will receive 66 2/3% of pay, beginning December 31, 2009.

9. Long-Term Disability Subsidized Medical and Dental Coverage Human Resources Office of Depending on length of service, University subsidy to medical and dental care continues for up to a maximum of 24 months total. After the end of the subsidy period, medical and dental coverage can be continued indefinitely during a period of disability by paying the full cost of the benefit.

10. Long-Term Disability - Example Subsidized Medical Coverage Human Resources Office of John has 10 years of service, holds a 12 month appointment, and continues to be certified as totally disabled. He will pay the same amount for his medical coverage as an active employee through December 30, 2010. If he continues to be certified as disabled past this date, he can purchase medical coverage (by paying full cost of the benefit) indefinitely.

11. Long-Term Disability Retirement Plan Contributions Human Resources Office of Faculty Retirement Plan contributions will continue to be made during a certified period of disability. If totally disabled, no employee contributions are required during this time, yet the contributions continue to be funded at the full amount of 15.5% of covered salary. Contributions continue while receiving disability benefits. If not yet eligible for the plan, no contributions are made.

12. Long-Term Disability Waiver of Life Insurance Premiums Human Resources Office of Life insurance coverage remains in effect while on disability. After 6 months of total disability, no premium payments are required, based on a waiver provision in the UPlan’s life insurance policy. The waiver remains in force as long as the recipient continues to be certified as disabled, until his or her 70 th birthday.

13. Long-Term Disability Difficult Situations Human Resources Office of Phased Retirement Partial Disabilities Recurring Disabilities Accommodations Outside Income

14. Need Additional Information? Human Resources Office of Employee Benefits Kathy Donohue 626-0094 Katie Deno 626-6274 www.umn.edu/ohr/benefits/disability/index.html UReturn 612-624-3316 ds.umn.edu/ureturn