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Long Term Disability
Effective 7/1/2000

For complete LTD policy details please click here

Did you know?

One out of every three people between the ages of 35 and 65 will suffer a disability lasting longer than 90 days.

The average disability will last over five years with 30% disabled for life.

People under age 60 are twice as likely to become disabled as to die.

Below please find a brief description of the UW's group long-term disability plan provided to you through Guarantee Life Insurance Company (Jefferson Pilot Financial). Questions concerning filing a disability claim should be directed to Eric Goldenstein, Manager, Benefits, (307) 766-2437 or e-mail to epgold@uwyo.edu.

What is the benefit amount?

If you become disabled, this plan will be 66-2/3% of your monthly earnings to a maximum benefit of $7,000 per month. The minimum monthly benefit is $100 or 10% of the Insured Employee’s Monthly Benefit, whichever is greater.

How long do I have to be disabled before benefits begin?

Benefits begin after you have been disabled for 90 days. Employees with earned sick leave will remain on the university’s payroll until the sick leave is exhausted, and then begin their disability benefit. Employees on donated sick leave will remain on the university’s payroll for the 90-day elimination period and then begin the disability benefit.

What is the definition of a disability?

Benefits will be based on the inability to perform your own occupation for 60 months. After 60 months benefits will be paid based on your ability to perform another occupation for which you are reasonably suited by education, training, and experience.

Is there a pre-existing exclusion?

Yes, if you have been treated for, taken prescribed medication or have seen your physician three months prior to your effective date, you must be on the plan 12 months without becoming disabled due to that condition (continuity of coverage applies).

Are benefits paid for partial disabilities?

Yes, as long as there is a 1% loss in income. This plan also allows you to earn up to 100% of your pre-disability income while partially disabled.

Do I need to be totally disabled during the elimination period?

No, you may satisfy the elimination period with partial disability days, total disability or a combination of both.

If I leave employment, can I convert this benefit?

Yes, there is a conversion option available if the employee has been insured for twelve consecutive months prior to termination.

Does this policy integrate with other benefits?

Yes, if you collect benefits from Social Security, Workers’ Compensation and/or Wyoming Retirement Disability due to this disability, Jefferson Pilot Financial will reduce the benefit payable.

Who pays for this plan?

The University of Wyoming pays 100% of the premium for all benefited employees.

Is the benefit taxable?

*Please note: This is a brief description of the plan as written by Guarantee Life Insurance; the terms and conditions of the insurance coverage for each individual is governed at all times by the complete terms of the Master Group Insurance Policy.

8/18/00