Human Resources
Waller Hall, First Floor
Willamette University
900 State Street
Salem, Oregon 97301
503-370-6210 voice
503-370-6570 fax
Sun-Life Group Long-Term Disability (LTD) Insurance
The Long-Term Disablity Coverage provided by Willamette Univeristy replaces a percentage of your income on a monthly basis in the event you are unable to work due to an accident or illness. The following information is intended to sole provide a brief description of this benefit, and should not be construed to be a contract of employment. Details of the plan may be found by accessing the Summary Plan booklet and policy document links provided below. I have also provided contact information for our broker as well.
Who is Covered - All FT, continuing employees who work at least 30 hours per week (.75 FTE)
Benefit - Income replacement at 60% of salary (mo. max of $6,000) beginning a the ninety (90) day mark of total disablity, and 100% replacement of the employer retirement contribution in case of disability.
Payable - Willamette University "self insures" this benefit from the 90th to the 180th day of total disability, after which our LTD carrier picks up the claim.
Disability Defined - The inability of an employee to perform the material duties of his/her job because of an illness or injury. Rehabilitation or training for another occupation will be reviewed after a 2-year duration on disability.
Partial Disability - If an employee is partially disabled during the first 90 days, and returns to work on a part-time basis after you have completed your elimination period, you are eligible for partial benefits.
Duration - If an employee is disabled prior to the attainment of age 60, benefits are payable up to age 65, but not less than 5 years (60 months). Disabilities which occur after the attainment of age 60, will be paid in accordance with the plan provisions in the Summary Plan booklet.
Exclusions - If you have received medical treatment, consultation, care or service including diagnostic measures, or take prescription drugs or medicines in the 3 months (90 days) prior to your effective date, this benefit will not be payable for any disability that occurs due to that illness or injury during the first 12 months (1 year) of this policy.
Benefit Ingegration - Social Security and Worker's Compensation share in the 60% benefit.
Survivor Benefit - This featur will pay a 3-month lump sum to your spouse or dependents if you die while in receipt of disabiltiy benefits and have been disabled at least 180 consecutive days.
Cost of Living Adjustment - This feature provides inflation protection by increasing the benefit an additional 3% compounded annually for the duration of the claim. This benefit begins after receiving 12 months of benefit payments.
Retirement Income Protection - If you have been participating in Willamette's 403(b) retirement plan for at least 3 months, this benefit will pay 10% of your monthly salary to your 403(b) retirement plan whil you are receiving monthly disability benefits.
Mental Illness Limit - Mental or nervous disabilities will be limited to 24 months (2 years) unless the disability is severe enough that the claimant is confined in a hospital.
Broker contact for Group and Optional Life Insurance:
Bill Russell, CHC, HIA
503.588.2988 ext. 312