Long Term Disability Insurance

Basic LTD:  The University of Louisville provides Basic Long Term Disability insurance coverage to all active full-time employees working at least 30 hours per week at no cost when participating in the University’s Retirement Plan and receiving University contributions. This basic benefit provides 60% of up to the first $100,000 of your pre-disability yearly salary, up to a monthly maximum benefit amount of $5,000. 

Supplemental LTD (Buy-Up):  The University of Louisville offers an employee paid Supplemental Long Term Disability insurance coverage to all active full-time employees working at least 30 hours per week who earn $100,000 or more per year, who are participating in the University’s Retirement Plan and receiving University contributions.  This additional benefit provides up to a monthly benefit maximum of $5,000, with a combined maximum monthly disability benefit of $10,000.

How to calculate a Supplemental Long Term Disability monthly premium

Example for a person with an annual salary of $150,000:

Enter portion of annual salary above $100,000 in the equation below

$50,000 ÷ 12 ÷ $1000 x $1.40 = $5.83 monthly premium

Supplemental Long Term Disability premiums are post-tax and paid through payroll deductions.


Plan Documents:

Certification of Coverage

Summary Plan Description