Long Term Disability

Shielding yourself against life’s uncertainties with long term disability (LTD) insurance

LTD insurance is designed to pay you a monthly benefit if you cannot work because of a covered illness or injury. This benefit replaces up to 60% of your income to help you to meet your financial commitments in a time of need. You may also elect an LTD coverage option that includes an annuity contribution benefit. This option allows contributions to a retirement annuity account while also receiving monthly income benefits, helping disabled employees to also protect their future retirement income.

Employees who enroll within 30 days of becoming eligible avoid providing proof of good health. Learn more about plan details in the linked plan booklet or certificate.

Review The Standard’s LTD plan booklet Review the Standard’s certificate

Eligibility and enrollment

All full-time (75% FTE or greater) academic and staff employees can enroll in this plan. Enrollment has to be made within 30 days of becoming eligible by submitting a completed LTD Enroll/Change/Terminate form to the IU Human Resources office. If you enroll or make coverage changes after the first 30 days of becoming eligible you'll need to submit a Medical History Statement.

Plan contributions

You pay the total premium for LTD coverage which is automatically deducted from your check every month. The cost for this disability insurance varies based on age, salary, and selected option. Premium rates are reviewed annually, and information about changes is available from the campus Human Resources Office.

Annuity contribution benefit payments begin on April 1 if you have been disabled for the preceding 24 months. A lump sum payment equal to 24 months of annuity contribution benefit will be directly credited to your retirement annuity and monthly income payments will continue while receiving LTD benefits, or until annuity contribution benefit funds are transferred or withdrawn.

Plan Options

Option A - 180 day waiting period
Option C - 180 day waiting period with the annuity contribution benefit

Option B - 90 day waiting period
Option D - 90 day waiting period with the annuity contribution benefit

Calculate your monthly premium

Your monthly contribution differs based on your age and salary. Use the premium estimator to determine how much you should expect to pay each month.

Estimate your monthly cost

What is an annuity?

An annuity is generally a long-term retirement savings tool. A deferred annuity gives you a way to build savings now and receive payments in the future

You may select a benefit option that includes an annuity contribution benefit which is payable while you are disabled and receiving a monthly income benefit. The amount of the annuity contribution benefit is a specified percentage of the pre-disability earnings (budgeted base salary).

Learn more about annuities from The Standard

File an LTD claim

LTD claims are made directly with Indiana University’s LTD vendor, The Standard. Report your claim as soon as you believe you’ll be out of work beyond your 90 or 180-day waiting period to ensure that you receive the support you need during challenging times. Understanding the steps and gathering the right information upfront can make the process smoother and less stressful.

You are welcome to file a claim at any time for consideration. Ideally, if you are currently losing part or all of your regular income/hours due to a disability condition would file for LTD.

You should file an LTD claim after you lose regular income/hours due to a disability. These elective coverages come with either a 90- or 180-day waiting period, similar to a deductible. The waiting period starts after the date of disability is determined by The Standard and must elapse before payable benefits are considered. LTD claims should be filed with The Standard as soon as you believe you will be out of work longer than the waiting period.

Step 1: Fill out the employee statement and other applicable releases found in the LTD Claim Packet (English | Spanish).
- Note the Employer Name as Indiana University.
- Note the Group Policy number as 135262.
- Submit the employee statement and releases directly to The Standard by mail or fax listed on the top of the claim form.
Step 2: Your physician should fill out and submit the Attending Physician Statement directly to The Standard Insurance Company.
Step 3: Indiana University will submit the Employer Statement directly to The Standard. The Standard will contact Indiana University for this information and does not require any action from the employee.

Coverage period

Your coverage begins when you file the proper paperwork with the Human Resources Office within the first 30 days of eligibility. If you apply after that time, you will need to submit a Medical History Statement by The Standard for approval.

Coverage will then begin on the first day that you are actively at work and will continue as long as you make your premium payments. If you become ineligible under the university plan, you may be able to convert it to an individual plan.

Indiana Medical History Statement