Loyola University Chicago

Human Resources

Eligibility

Plan ProvisionsShort-Term Disability (STD)Long-Term Disability (LTD)*
Eligibility All University full-time benefits-eligible faculty and University administrators eligible 1st day of the month, following completion of six (6) months of active employment All Other University full-time benefits-eligible staff employees eligible 1st day of the month, following completion of six (6) months of active employment All University full-time benefits-eligible faculty and University administrators upon date of hire All other University full-time benefits-eligible staff employees upon date of hire
Definition of Disability An absence from work, lasting more than 3 days, due to one's own illness or non-work related injury The inability to perform the regular duties of one's job. During the elimination period, unlimited trial (or partial) workdays are allowed as long as one does not earn more than 80% of one's pre-disability earnings. Partial return to work is also allowed once LTD benefits have begun. After 2 years from the onset of one's disabling condition, disability will be determined based on inability to engage in any work for which one has practical training, education, or experience.
Elimination Period Benefits are payable from the 1st day of absence (when the absence lasts more than 3 days) Benefits are payable after 10 working days of absence Benefits are payable after 180 calendar days of disability, beginning with the onset of the illness or injury causing disability Benefits are payable after 90 calendar days of disability, beginning with the onset of the illness or injury causing disability
Benefit Duration Benefits are payable for up to 26 weeks for any one period of disability Benefits are payable for up to 10 weeks for any one period of disability Benefits are payable up to age 65 when disability begins before age 60; if disability begins at or after age 60, benefits are payable for a period of time of no less than 1 year but no longer than 5 years, based upon age at the onset of disability
Benefit Amount 100% of pre-disability earnings for the first 14 weeks, 80% thereafter 100% of pre-disability earnings 66.67% of monthly earnings, to a maximum of $12,500
Period of Disability If one begins a period of disability, returns to work for less than 10 working days, and is again unable to work due to the same illness or non-work related injury, the entire absence will be treated as a single period of disability. If one begins a period of disability, then returns to work in a trial or partial capacity, elimination period will be interrupted if one's earnings exceed 80% of pre-disability earnings

*The Long-Term Disability benefits are provided through an ERISA Plan. The benefits and definitions cited here are only for illustration. In the event of conflicting information, the actual terms of the Long-Term Disability Plan, as evidenced by the Plan Documentation, shall govern. The University further reserves the right to terminate or modify the terms of its benefit programs at any time.