Human Resources

Long-Term Disability Insurance

Summary Plan Description (SPD)

Benefits are paid based on the terms and conditions of the Summary Plan Descriptions.

Willamette University provides Long-Term Disability (LTD) insurance through Guardian. The group Long Term Disability (LTD) insurance is designed to replace a substantial part of lost income in the event of total disability.

Benefits begin after 90 days of disability or the exhaustion of sick leave. The plan pays 60% of the employee's salary up to $6,000 per month. Benefits will be reduced by payments received under Workers' Compensation and/or Social Security laws.

The University pays the entire cost of this coverage and is automatic for all eligible employees who work a minimum of 30 hours per week, or are otherwise .75 FTE employees.

The coverage begins after one year of full-time service, or if a new employee is transferring from another group disability plan. (If transferring from another group disability plan, the new employee must complete and submit the Certification of Previous LTD Coverage within 31 days of their date of full-time employment with WU.)

For more information, visit Guardian’s Website. For information on income replacement prior to eligibility for LTD income replacement, please contact Human Resources 503-370-6210.