Disability Frequently Asked Questions

Short Term Disability

Q. Is there an offset to my STD if I am eligible to receive sick leave or vacation pay?

A.  If you are receiving any type of paid time off income, disability payments will be offset by the income received from the other paid time sources. 

Q. If I have an individual policy through an independent broker, will there be an offset?

A. If you are eligible for payments from a non-CMU disability plan, it will not be an offset to your university benefit, unless it's an association plan.

Q. Can I switch between plans at open enrollment?

A. You may change your elections at each open enrollment or when you have a qualifying status change. If you are enrolling in STD for the first time (after initial offer at new hire orientation), or if you are increasing your coverage from 50% to 67% for STD, you will be required to complete an Evidence of Insurability form.

Long Term Disability

Q. Are these disability benefits taxable?

A. Yes. Since you pay Long Term Disability premiums on a pre-tax basis, any benefit paid out in the event of disability would be taxable.

Q. Are there any pre-existing condition clauses?

A. Yes, but only on the LTD.  Please see Pre-Existing condition page.

Q. If my salary changes during the course of the year, are my benefit levels and costs of the coverage affected?

A. Yes. The cost, the University contribution, and the actual benefit payable under the plan would be adjusted accordingly. Your paycheck would reflect the change.

Q. If I am on paid sick leave and have a salary increase, are my LTD benefit payments based on the new salary increase?

A. No, they are calculated on the salary you were earning at time of disability.

Q. Is there an offset to my LTD if I am eligible to receive sick leave or vacation pay?

A. If you are receiving any type of paid time off income, disability payments will be offset by the income received from the other paid time sources.


Q. If a person is disabled and collects long-term disability until age 60 and then takes a disability retirement what happens?

A. A person collecting disability will have their disability income offset by any amount of MPSERS retirement benefit they receive. Both CMU disability programs provide a minimum income benefit if the monthly income amount is completely offset by income from other sources. The minimum benefit will continue until age 65, if disability income began before age 60. Upon application for disability you are required to apply for Social Security disability benefits as well as any disability retirement benefits that may be available. CMU MPSERS participants are required to apply for disability retirement if covered by the Hartford disability contract. Until a written decision is received from Social Security or the applicable retirement system, disability programs will estimate what the income will be from other sources and offset the disability income.

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