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Long Term Disability Insurance

On this page: Plan Provisions | Eligibility | Plan Contributions | Calculate Monthly Premium | Coverage Period | How to File a Claim | Continuation

Forms & Publications

Plan Provisions

Reduced Premiums and Enhancements to LTD Insurance

Negotiations with The Standard, underwriter of the IU LTD plan, have resulted in a reduction of premiums and several enhancements that become effective March 1, 2007.

Reduced Premiums

  • The university’s LTD plan will have a 10 percent overall reduction in premiums effective March 1, 2007.

One-time Opportunity to Add Retirement Protection Benefit

  • Current enrollees who do not have the Retirement Protection Benefit can add this benefit without showing proof of eligibility. This opportunity is only available between March 1, 2007, and April 30, 2007. Participants will receive a letter and change form describing this option.

New Enrollees Can Enroll at any Time

  • Full-time employees may enroll at any time after their initial eligibility period (60 days after first becoming eligible) by showing proof of insurability. Employees not already enrolled in LTD insurance may want to consider enrolling now.

  • The two-step process to enroll and all necessary forms are at the Life Events and Benefits Changes.

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Indiana University's Long Term Disability Plan is an income replacement plan for covered employees who become disabled due to an illness or accident. 


Plan Contributions

Calculate Monthly Premium

Coverage Period

How to File a Long Term Disability Claim

Long Term Disability Conversion

When Disability Insurance ceases under the group policy due to termination of employment with the university or transfer to an ineligible class, coverage may be converted to an individual policy without providing proof of good health. There are specific conditions that must be met in order to be eligible for conversion, which can be found in the Participant Rights & Responsibilities page. Please be sure to read this information carefully before submitting an application for conversion.

LTD Conversion Applications (state specific, based on your legal residence):

Quick link

  1. Enroll in, change, or terminate Long Term Disability


  1. Medical History Statement forms (under Insurance)
  2. LTD Claim Packet (PDF)


  1. LTD Plan Highlights (PDF)
  2. LTD Booklet (PDF)