Long-Term Disability Insurance

Basic Long-Term Disability

After one year of employment, insured employees who become disabled for at least six months can receive the greater of 60% of their monthly base salary or 60% of their monthly average earnings from the past two years (up to a monthly maximum benefit amount of $5,000) through the university’s long-term disability plan. Long-term disability is a benefit provided at no cost to UofL employees. View the Long-Term Disability plan summary to learn more information. 

Supplemental Long-Term Disability (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. This additional benefit provides up to a monthly benefit maximum of $5,000, with a combined maximum monthly disability benefit of $10,000.

Calculating 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 $1.68 = $7.00 monthly premium

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