Long Term Disability
The Cornell Long Term Disability (LTD) Plan provides income protection in the event of long term total disability.
Eligibility
If you are a regular full-time employee, you are eligible upon employment.
If you are a regular part-time employee, you are eligible after three
continuous years of employment. If you have been covered by a plan with
another employer prior to your part-time employment at Cornell, you may
be covered immediately.
Waiting Period
The waiting period is 180 days of total disability.
Eligible employees must meet the waiting period and be medically approved by CIGNA prior to receiving payments.
Benefits
The LTD Plan pays a monthly benefit equal to 60% of your regular monthly
income at the time of disability. The paid benefit is offset (reduced)
for any amount of money you receive from any of the following:
- Workers' Compensation
- federal social security disability
- retirement
- No-fault auto insurance lost wage benefits
- employer salary continuation
Administration
Benefit Services administers the CIGNA Long Term Disability contract and
facilitates your application for this benefit. The DECISION on your claim
is made by the CIGNA Long Term Disability Claims Office based on the medical
information that is received from your treating physicians to support
your claim as being totally disabled from work.