Long-Term Disability Insurance offers income protection in the event of injury, illness or if an employee is unable to perform their normal occupation or any occupation after two years. The Long Term Disability Plan provides benefits after 90 days of disability for full-time faculty and staff and part-time staff scheduled to work 30-39 hours per week.

Cleveland State University’s sick pay benefits are intended to provide full income replacement during periods of short-term disability prior to the time you are eligible to begin receiving Long Term Disability benefits, if qualified. Employees are required to use their available accumulated sick leave, vacation hours and compensatory time (if available).

The plan coordinates with OPERS, STRS, Social Security and benefits received to replace up to 60% of your base salary to a maximum of $5,000 per month if you become disabled. If you anticipate being on leave for more than 90 days, it is recommended that you apply for LTD around 30-45 days into your leave.

Travel Assistance

Unum offers travel assistance to employees and their family members if the employee is insured under the Long-Term Disability Plan. For more information, click here.