LTD Insurance FAQs

General Questions

How do I file a disability claim?

Do I use my sick leave when on disability?

Who needs long term disability insurance?

Where can I get more detailed information?

State of Illinois - SURS Disability Benefit

Please see the SURS Disability FAQs.

University Plan - Prudential Supplemental Long Term Disability

How is disability defined in order to qualify for benefits?

Are any disabilities limited in coverage?

Is there a preexisting condition limitation?

What is not covered?

What is the minimum monthly benefit if I am approved for disability benefits?

Will my monthly benefit be reduced?

What are "Deductible Sources of Income" that may offset my benefits under this plan?

What is the maximum benefit period?

What are the tax implications of benefit payments?

What happens if I go back to work part-time? Will I still receive an LTD benefit?

Can I keep my LTD coverage after terminating University employment?


General Questions

How do I file a disability claim?

To file a claim for disability benefits, speak to your HR contact. Claims for both SURS and Prudential are completed using the same form, which your HR contact will provide. If you participate in the voluntary University LTD Plan through Prudential, make sure you check the box indicating this when completing the form.

For additional information, including deadlines and documentation requirements, see the SURS Disability Benefit page. Information is applicable to both the SURS benefit and the voluntary University LTD benefit.

Do I use my sick leave when on disability?

You must use all of your accumulated sick leave before disability benefits can begin.

Who needs long term disability insurance?

During your work years, the chance of being disabled is much greater than the chance of dying, according to many actuarial studies. Long term disability (LTD) insurance protects your income against the sudden loss that an accident or illness can bring. If you are unable to work, LTD benefits help replace a portion of your salary.

Where can I get more detailed information?

Contact SURS at 800-275-7877 for specific questions requiring additional detail about your SURS disability or Prudential at 800-842-1718 for questions regarding your Prudential Supplemental LTD policy or claim.

University Plan - Prudential Supplemental Long Term Disability

How is disability defined in order to qualify for benefits?

There are two ways to be considered disabled:

  • Occupation Test: During the first 60 months of disability, you will be considered disabled if you are under the care of a licensed physician (other than yourself) and are unable to perform one or more of the material duties of your regular job due to a covered illness, injury or pregnancy. After the first 60 months of disability, you will continue to be considered disabled if you cannot perform at least one of the material duties of each gainful occupation for which your education, training, and experience may qualify you.
  • Earnings Test: If you do not qualify as disabled as defined above, you may also be considered disabled in any month in which you are working, but an injury, sickness or pregnancy prevents you from earning more than 80% of your basic monthly earnings prior to becoming disabled. Overall coverage for mental illness conditions are limited to 24 months.

Are any disabilities limited in coverage?

Yes. Disabilities due to mental illness may have a limited pay period of 24 months during your lifetime. Examples of mental illness include schizophrenia, depression, manic depressive or bipolar illness, anxiety, somatization, substance related disorders (including drug and alcohol abuse), and/or adjustment disorders. Disabilities with a limited pay period do not extend the maximum period of benefits.

Is there a preexisting condition limit?

Yes. A preexisting condition is any illness or injury for which you were treated during the six months before your coverage went into effect. No benefits will be paid for a disability caused by a preexisting condition. However, this limitation will no longer apply if you:

  • Do not receive any treatment or services for that condition for six consecutive months.
  • Are insured under the plan for a full 24 months without interruption.

What is not covered?

No long term disability benefits will be paid for disability caused by an intentional self-inflicted injury; war, whether declared or undeclared, or any act of war; active participation in a riot; or commission of a crime for which you have been convicted. Benefits are also not payable for any period of incarceration as a result of a conviction.

What is the minimum monthly benefit if I am approved for disability benefits?

The minimum monthly benefit is $100.

Will my monthly benefit be reduced?

Yes, your benefit may be reduced by any benefits you receive from certain other sources (Deductible Sources of Income).

What are "Deductible Sources of Income" that may offset my benefits under this plan?

  • Disability benefits from:
    • State Universities Retirement System (SURS)
    • Statutory Plans
    • Workers' Compensation
    • Social Security to you and your dependents
  • Policyholder or employer-sponsored retirement benefits and governmental retirement benefits
  • Refer to the Prudential LTD Certificate for other Deductible Sources of Income

What is the maximum benefit period?

The benefit period is based on your age on the day the period of disability started.

 Disability Payments
 Age at Disability
Maximum Benefit Period
 Under age 61
 To your normal retirement age*, but not less than 60 months**
 Age 61
 To your normal retirement age*, but not less than 48 months**
 Age 62
 To your normal retirement age*, but not less than 42 months**
 Age 63
 To your normal retirement age*, but not less than 36 months**
 Age 64
 To your normal retirement age*, but not less than 30 months**
 Age 65
 24 months**
 Age 66
 21 months**
 Age 67
 18 months**
 Age 68
 15 months**
 Age 69 and over
 12 months**

* Your normal retirement age is your retirement age under the Social Security Act where retirement age depends on your year of birth.

** Following the end of the elimination period.

What are the tax implications of benefit payments?

Benefit payments are not subject to income tax when premiums are paid with after-tax dollars.

What happens if I go back to work part-time? Will I still receive an LTD benefit?

Yes, you may still be eligible to receive a monthly benefit from Prudential if you are working part-time. Prudential will adjust your monthly benefit based on the partial disability earnings you receive from the University. Please refer to the Prudential LTD Certificate for a further explanation on how disability benefits are determined while working part-time and receiving partial earnings.

Can I keep my LTD coverage after terminating University employment?

You may be eligible to convert your coverage to a Group Long Term Disability Conversion Plan. Review the eligibility information in the LTD Conversion Kit. If you are eligible and you would like to apply for conversion coverage, complete the Request for LTD Conversion Form beginning on page 12 of the Conversion Kit. You must apply within 60 days of your termination date by sending your application to the address listed on the form. Questions should be directed to the Customer Service phone number listed on page 1 of the Conversion Kit.