Voluntary Supplemental Long Term Disability Plan
Participant Advantages & Plan Features
A Supplement to Your State Universities Retirement System Disability Plan
(Underwritten by The Prudential Insurance Company of America)
Group Disablity Insurance
Participant Advantages
- Affordable Group Rates
- Convenient payroll deduction
- Benefits not subject to income tax when premiums are paid with employee after-tax dollars
- Partial income replacement when you are unable to work due to sickness, injury or pregnancy
- Assistance in returning to work through rehabilitation programs, worksite modifications, & benefits while working
Plan Features
- Long term disability coverage of 66.67% of income up to a monthly maximum benefit of $12,000 with Social Security and SURS offsets
- Benefits begin after the greater of 3 months of disability or the length of accumulated sick leave
- Partial disability benefits with loss of earnings
- 5 year own occupation definition of disability with 80% earnings test
- Benefits paid to age 65 or Social Security normal retirement age
- 2 year benefit for diasabilities due to drug, alcohol, mental/nervous
- Waiver of premium once you begin receiving benefits
- Conversion privilege if you terminate employment
- 3 month survivor benefit
Electronic Brochures:
Voluntary Supplemental Long Term Disability Plan
Long Term Disability Coverage
FORMS:
LONG TERM DISABILITY ENROLLMENT FORM 
REVOCATION OF PAYROLL DEDUCTION - REVOCATION FORM 
