Long-Term Disability Income Insurance
Article XII.G

1.      The University, at no cost to the staff member, provides a program of disability income insurance. 

2.      Participation begins after the staff member has completed three calendar years of continuous service one-half time or greater at the University or one full calendar year of service with tenure. If three months prior to the appointment at Wayne State University the bargaining-unit member was insured through his/her previous employer under a group disability policy which provided income benefits for a minimum period of five years during total disability due to sickness, the bargaining-unit member is eligible for long-term disability insurance on the first day of the month that coincides with or next follows the date of appointment at Wayne State University. 

3.      Benefits for an insured staff member begin after six months of continuous total disability and continue for as long as the disability continues or until the affected individual retires. Bargaining-unit members whose disability date is on or after January 1, 1979, and who qualify for benefits after their sixtieth birthday will receive benefits for five years or until age seventy, whichever comes first. In all other cases the disability payments will cease at age sixty-five. 

4.      Employees who decline to apply for long-term disability will be covered under the Leaves of Absence without Pay provisions (Article XIII) after paid time under the short-term disability program and vacation time are exhausted. 

5.      Under this plan the individual will receive a monthly income benefit which, including any disability benefits from Social Security and Worker's Compensation, is as follows: 

a.      For those whose disability date is before January 1, 1982, the monthly income benefit is equal to 60% of a person's basic salary up to $l,000 per month, plus 40% of any basic salary in excess of $l,000 per month, but not to exceed a benefit of $l,500 monthly. 

b.      For those whose disability date is on or after January 1, 1982, the monthly income benefit is equal to 60% of a person's basic salary, but not to exceed a benefit of $2,500 monthly. 

c.      For those whose disability date is on or after October 1, 2000, the monthly income benefit is equal to 66 2/3% of a person's basic salary, but not to exceed a benefit of $5,000 monthly. 

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