Long-Term Disability (LTD)

Long-Term Disability (LTD) Insurance is one of Ball State’s mandatory ancillary benefits, with pretax premiums subsidized 75 percent by the university.

  • LTD insurance provides income replacement benefits to covered employees who become disabled due to an illness or accident after a 60-day waiting period.
  • The LTD benefit replaces 60 percent of 103 percent of your base salary, up to a maximum monthly benefit of $15,000, before the deduction of other income benefits.
  • The employee's share of premiums is
    • [(base salary) x 103 percent] / (12 x $0.00076)
  • After the first 26 months of disability, the continuing benefit period percentage is reduced from 60 percent to 20 percent. Maximum duration of benefits is based upon your age when disabled and your Social Security normal retirement age.

Short-Term Disability (STD)

For Service Employees Only

The purpose of Short-Term Disability (STD) is to help protect an employee from loss of income when he/she suffers from a serious illness or injury. Beginning on the 8th continuous calendar day of disability due to an employee's own personal illness or injury, STD may be applicable. STD may continue for up to 26 continuous weeks if the absence is properly supported by medical verification to the satisfaction of the plan administrator (our insurer). Once the first STD check is issued, an employee may not continue to receive pay from his/her PTO or IPB during that period of disability.

When an employee is eligible to receive benefits under the plan, he/she must submit a claim to the plan administrator. The Hartford is the plan administrator; their phone number is 1-866-945-4558.  When you call to file your claim, please reference Policy # 697019.

The Hartford will ask you to provide:

  • Name, address, policy number, and other key identification information.
  • Name of your department and last day of active full-time work.
  • Your manager's or HR representative's name and phone number.
  • The nature of your claim.
  • Your treating physician's name, address, and phone and fax numbers.

Claims may be filed beginning with the first day of absence but no later than 90 days after the date of loss for which the claim is made.

The weekly benefit is equal to 80% of 103% of the employee's hourly rate, times 40. An employee who returns to work mid-week will have his/her weekly benefits prorated for that week. The plan administrator will mail checks directly to the employee's home address.

Coverage is effective the first of the month following satisfactory completion of an employee's probationary period. STD is the method by which an employee is compensated and is not of itself an excused leave of absence from work. An employee should also apply for the appropriate leave of absence with University Human Resource Services.

Deductions for Ancillary Benefits

  • Biweekly 12 month employees have their premiums deducted from each paycheck (26 pays).
  • Biweekly 10 month employees have their premiums deducted from each regular pay period, excluding summer.

Helpful Resources