AD&D Plan
Adoption Assistance
Counseling
Dental Plan - Delta
Delta Dental and VSP
Vision Plan
Dental Plan - GA's
Delta Dental and VSP Vision
Plan: GA/Fellow
SEBF Dental and Vision Plan
Discounts - SU Faculty
and Staff
Flexible Spending Account:
Dependent Care
Flexible Spending Account:
Health Care
Home and Auto Insurance
Leaves, Faculty
Leaves with Pay, Staff
Leaves without Pay, Staff
Life Insurance Plan
Long-term Care Insurance
Long-term Disability Plan
The Standard
Medical Plan
Paid Time Off
POMCO
Prescription Drug Plan
Retirement Plan/TIAA-CREF
Tuition Benefits: Dependent
Tuition Benefits: Remitted

Benefits

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Long Term Disability (LTD) Plan - The Standard

The voluntary Group Long Term Disability Plan is designed to pay a benefit in the event that an eligible employee cannot work because of a covered illness or injury. The Plan provides that a portion of covered income is replaced and paid directly to the disabled employee.

• The Standard will pay 60 percent of your insured pre-disability earnings (reduced by deductible income from other sources such as Social Security or Worker's Compensation) while on an approved disability following a six month waiting period.
• Because premiums are being paid with after-tax dollars, the benefit is not subject to federal tax.
• The minimum monthly benefit is $100 and the maximum benefit is $12,000.

To understand how the voluntary plan would supplement the disability coverage provided by the University, please note the following:

Exempt Employees

Syracuse University currently provides long term disability benefits to exempt employees through its Salary Continuation Plan.

• For Salary Continuation Plan benefits to be paid beyond 12 months, you must, among other things, receive a Social Security Disability Award (SSDA) by the end of your first year of disability. (Note, it can be difficult to obtain an SSDA within the 12 month window).
• If you do not receive an SSDA and you are not able to return to work after one year of disability, then you are no longer covered under any salary replacement plan from Syracuse University.
• If you do receive an SSDA before the end of your first year of disability, the University's Salary Continuation Plan will pay 50 percent of your base annual salary, minus your SSDA and certain other reductions. Generally, earnings from the salary continuation plan are completely taxable.

Under the voluntary LTD plan

• The voluntary plan pays 60 percent of your pre-disability earnings after the six month waiting period (reduced by any deductible income and subject to plan limitations). These earnings are completely non-taxable.
• The definition of disability does not rely on qualifying for an SSDA.
• Benefits under the University's Salary Continuation Plan are reduced by benefits paid under the voluntary LTD plan.

Non-Exempt Employees

Non-exempt employees are covered by New York State Statutory Benefits supplemented by SU for short term periods of disability up to 26 weeks. If you are disabled and unable to work for longer than 6 months, any earnings coming from SU will cease.

Under the voluntary plan you will begin receiving 60 percent of your pre-disability earnings after the six month waiting period (reduced by any deductible income and subject to plan limitations). These earnings are completely non-taxable.

Contributions

Monthly premiums are determined by multiplying monthly gross pay by the rates below and dividing by 100. For example, an employee age 42 with an annual gross pay of $36,000 would have a monthly premium of $10.50 ($36,000 / 12 * .35 / 100).

Helpful Links

• Medical History Statement
• New York State Statutory Benefits
• Salary Continuation Plan
• The Standard

Questions? Contact the HR Service Center at 443-4042 or email hrservic@syr.edu.