If you experience a short- or long-term disability, the Northeastern Disability Program provides you financial protection.
Benefits-eligible faculty and staff are eligible for the disability program on the first day of the month following completion of one year of service. The one-year waiting period will be waived if you were enrolled in long-term disability insurance with a prior employer within four months of joining Northeastern.
To apply for a waiver, your previous employer must complete a Retirement Plan and Disability Waiver form and return to HRM/Benefits at 250 Columbus Place within 30 days of your date of employment.
If you have been absent for work for 30 days and have exhausted your accrued sick time, interim disability coverage will begin paying 60 percent of salary for up to six months. If you need to be out of work for medical reasons for more than five days, you or your supervisor must contact HRM Benefits to complete the necessary documentation for medical certification.
When the need for leave is foreseeable, you must apply for and be approved in advance of your leave start date. In this case, thirty days notice, or as much notice as is practical, should be given.
After interim disability benefits have ended, long-term disability (LTD) may provide financial protection. Upon approval, LTD provides:
LTD benefits are effective on the 181st day of disability and will continue until you are no longer disabled or reach retirement age.
LTD is integrated with other benefit plans to equal 60 percent of your monthly salary. If you are approved to receive benefits under other disability plans, Worker's Compensation, Social Security disability or Social Security retirement benefits, the other benefit amount(s) will be subtracted from your monthly disability income benefit.
The maximum monthly benefit you may receive, including all of the above sources, is 60 percent of your monthly salary up to $25,000 maximum.
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