As a full-time employee, you can access the University’s long-term disability insurance plan. This plan provides financial support for employees who cannot work due to a non-work related illness or injury lasting more than 90 days.
You can start using this benefit on the first of the month after you have worked for 90 days. The University covers the cost. If you leave and are rehired within twelve months, your previous employment time will count towards the waiting period.
The monthly benefit is 60% of your basic earnings, up to a maximum of $10,000 per month, minus any benefits you receive from other sources. Basic earnings refer to your regular salary or wages from the University and do not include bonuses, overtime, or other extra pay.
If you become disabled while still employed, the University will continue to pay for your health insurance (medical, dental, and vision) for up to 90 days, as long as you were covered before your disability began and you keep paying your share of the premiums.
Additionally, the University will maintain certain benefits for up to 90 days from the date of your disability, including Medical Waiver, Health Savings Account (employer contribution)**, Life/AD&D Insurance, Tuition Benefits, and the Employee Assistance Program.
If you have a Medical Flexible Spending Account (MFSA), it will still be available during your unpaid leave for the rest of the plan year. Any missed contributions will be deducted from your pay when you return, which may increase your contribution amount. However, if you have a Dependent Care Flexible Spending Account (Dependent Care FSA), your participation will end on the date of your disability.
Contributions to the University Retirement Plan (from either the employer or employee) will stop while you are receiving long-term disability benefits and not being paid by the University.
**Note: If you contribute to the SJU Health Savings Account (HSA) while actively employed, you cannot contribute while on long-term disability and not receiving pay from the University. However, your account remains available to you.