Long Term Disability Insurance

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replaces part of your income if a disability keeps you out of work for a long period of time.

How does it work?

This employer-paid coverage pays a monthly benefit if you have a covered illness or injury and you can’t work for a few months — or even longer.

You’re generally considered disabled if you’re unable to do important parts of your job — and your income suffers as a result.

Why is this coverage so valuable?

Kalamazoo College is paying the cost of this coverage.You can use the money however you choose. It can help you pay for your rent or mortgage, groceries, out-of-pocket medical expenses and more.

How much coverage can I get?

You are eligible for coverage if you are an active employee who meets minimum requirements. Coverage is sixty percent of your monthly income, up to a maximum of $8,000.

What is covered?

This insurance may cover a variety of conditions and injuries. Here are Unum’s top reasons for long term
disability claims:
• Cancer
• Back disorders
• Injuries and poison
• Cardiovascular
• Joint disorders
This plan does not cover pre-existing conditions.

What else is included?

Work-life balance EAP
Get access to professional help for a range of personal and work-related issues, including counselor referrals, financial planning and legal support.
Worldwide emergency travel assistance
One phone call gets you and your family immediate help anywhere in the world, as long as you’re traveling 100 or more miles from home. However, a spouse traveling on business for his or her employer is not covered.
Survivor benefit
If you die while you’ve been disabled and receiving benefits for at least 180 days, your family could get a benefit equal to 3 months of your gross disability payment.
Waiver of premium
If you’re disabled and receiving benefit payments, Unum waives your cost until you return to work.

Exclusions and limitations apply. See Human Resources for details.