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If you live or work in Nashville or the surrounding area, chances are you may be employed by Vanderbilt, one of the largest employers in this area. Below is information that will be helpful for employess of Vanderbilt. If you have questions about this or any questions about your long-term disability claim, call us -- we are here to help1
Long-term disability insurance (LTDi) is administered by Unum and is a benefit for faculty and staff that pays 60 percent of your annual base benefits rate, up to a maximum monthly benefit of $33,000, if you ever become disabled and are unable to work for six months or longer. The LTD benefit also includes a 10% monthly contribution to your retirement account if you are a participant in the Vanderbilt University Retirement Plan.
Automatic enrollment in LTDi occurs on the first of the month after your one-year anniversary for faculty and staff and immediately for house staff, so no enrollment is necessary. You may be able to waive the one-year wait if you had group LTDi coverage within 90 days prior to coming to work at Vanderbilt. Complete and submit the Long-Term Disability Certification of Prior Coverage Form within 90 days of your hire date to waive the one-year wait. If approved, full long‐term disability coverage must be effective on your hire date. Any missed LTDi premiums will be collected from future paychecks.
Vanderbilt pays for basic LTDi which covers the first $24,000 of your annual base pay. You pay for full coverage between $24,000 and your annual base pay. You can waive full coverage at any time (above the $24,000 that Vanderbilt pays) on the My VU Benefits website.
If you expect to be out of work for six months or more you should begin the LTDi application process within 30 days after the disability begins or as soon as possible so that a claim decision can be made in a timely manner. Generally, the application process may take two to three months. There is a six-month period between the onset of the condition constituting a disability and when benefits are payable1. However, the LTDi application should be submitted within 12 months of the onset of the disability for consideration for this benefit.
To file a claim with Unum, call the Office of Benefits Administration at 615.322.8977. A claim will be set up on your behalf. When the disability carrier is in receipt of the completed application, they will notify you and the Office of Benefits Administration if your claim is approved as eligible for LTDi benefits.
Long-term disability insurance provides two standard payment benefits. Those benefits include:
Benefits begin on the first day following six (6) consecutive months of total disability as defined by the plan and determined by Unum. LTDi payments continue for as long as the disability lasts or up to age 65, whichever occurs first. If disability occurs after age 60, the maximum period of LTDi payments is based upon the following schedule:
| Age When Disabled | Benefits Payable |
| Prior to Age 60 | To Age 65, but not less than 5 years |
| Age 60 – 64 | 5 years |
| Age 65 – 69 | To Age 70, but not less than 1 year |
| Age 70 and over | 1 year |
During the six-month period, you must use all accrued leave available, grandfathered sick time, flexPTO, vacation and/or personal, before going into an unpaid status. In cases of a delayed application for LTDi benefits, the approval may happen after the six-month waiting period ends. Because of this, part of the LTDi payment may be made retroactively given the following considerations:
NOTE: If an application has been submitted to Unum for LTDi payments, but the approval takes longer than six months, the staff member who has flexPTO/leave time available may continue to remain in a paid status until one of two things occurs: approval/denial is given for the benefit or accruals are exhausted. This is an exception to the use of grandfathered sick time accruals and the maximum leave time available under the Family and Medical Leave Act (FMLA) and Tennessee Maternity Leave Act (TMLA) policy.
Once disability benefits are approved, the Benefits office will process a Personnel Action Form terminating your employment.
You may consider the following options to gain access to health care:
If you return to work as an active, full-time employee for 6 month(s) or more, any recurrence of a disability will be treated as a new disability. A new disability is subject to a new Elimination Period and a new Maximum Duration of Benefits. Please notify the Office of Benefits Administration when you anticipate returning to work at be******@********lt.edu or 615.322.8977.
You may return to work so long as you have been released by your physician and there is an available position in your department. Long-term disability benefits are a protection of your income. Please refer to your department for the status of a vacant position.
You can waive full coverage at any time (above the $24,000 that Vanderbilt pays) on the My VU Benefits website.
If you have waived Full Long-term Disability and wish to reenroll at a later date, you must submit Evidence of Insurability satisfactory to Unum.
If you are required to submit Evidence of Insurability, you must:
Unum will then determine if you are insurable under the plan.
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If you are involved in a long-term disability claim and need a qualified attorney to review your case at no charge, please call the legal professionals at Cody Allison & Associates, PLLC (615) 234-6000. You can also visit our website ltdanswers.com/. At Cody Allison & Associates, PLLC we fight denied long-term disability claims everyday. It’s what we do. If you believe you have been wrongfully denied your ERISA, or non-ERISA, long-term disability benefits, give us a call for a free consultation. You can reach Cody Allison & Associates, PLLC at (615) 234-6000. We are lawyers based in Nashville, TN; however, we represent clients in many states (TN, KY, GA, AL, MS, AR, NC, SC, FL, MI, OH, MO, LA, VA, WV, just to name a few). We will be happy to talk to you no matter where you live. You can also e-mail our office at co**@*********on.com. Put our experience to work for you. For more information go to www.LTDanswers.com.