Long-Term Disability

The CSU’s Long Term Disability insurance is currently offered through The Standard.  LTD is employer-paid and serves as an income protection program which provides benefits after 180 days of continuous disability.

LTD is provided to supplement industrial disability leave, Social Security disability, retirement system payments, or any other group disability plan payments. If an eligible employee meets the disability criteria, they will receive a percentage of pay up to a designated maximum amount per month, until age 65.

Not all bargaining units qualify for LTD.  The table below outlines the eligible units, and the amount of coverage.

Employee Category

Policy Class Number

Amount of Coverage

Management (M80)

Class 1

66 2/3% of the first $15,000 of pre-disability earnings, reduced by deductible income. Maximum benefit: $10,000 before reduction of deductible income. Waiting period 180 days.

Faculty (R03)

Class 2

Faculty (R03) - Coach or AY classification

Class 3

Academic Support (R04)

Class 4

Physicians (R01)

Class 5

Executive (M98)

Class 6

66 2/3% of the first $22,500 of pre-disability earnings, reduced by deductible income. Maximum benefit: $15,000 before reduction of deductible income. Waiting period 180 days.

Contact Information:
Telephone Number: (800) 524-0450
Website: 
http://www.standard.com/mybenefits/csu/ltd.html

If there is a discrepancy between this information and the official plan documents and contracts, the official documents will always govern.