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Optional Extended Disability (Full-Time Actives)
In addition to the basic disability insurance that is provided to you at no cost, you have the option to purchase voluntary extended long term disability insurance after one year of service. If you become disabled, this program will increase your benefit to 60% of your predisability basic salary with a monthly minimum of $1,500 and a monthly maximum of $6,000 (subject to reductions for other payments you may receive, such as from Worker's Compensation, Social Security or a CUNY retirement or salary continuation plan). Payments begin 6 months from the date of disability and can generally continue until you reach age 65. In addition, 10% of your predisability basic salary will be paid on your behalf to a TIA-CREF (defined contribution) pension plan. Your premiums for voluntary extended long-term disability insurance will depend on your age and salary. For details, you can view the Group Long Term Disability Insurance Certificate, which covers both basic and extended long term disability insurance.
To enroll, you must submit both an Enrollment and Change Form and a Payroll Deduction Authorization. If you apply for voluntary extended long term disability insurance more than 60 days after becoming eligible, you also have to submit a Medical History Statement for residents of New York, New Jersey, Connecticut or Pennsylvania.
This page includes only highlights of optional extended long term disability benefits. See the Details Tab for more information.
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Total disability is defined as the inability to work in any job for which you are fitted by education, training or experience, due to an illness or injury. The carrier for this benefit is The Standard Life Insurance of New York.
Total disability must be verified by an evaluating physician approved by the carrier.
Participants may elect after one year of service to purchase the optional extended long term disability plan. If the election is made within 60 days of initial eligibility, issue is "guaranteed"-no medical evaluation is required to qualify for the higher level of protection. Later elections require a medical evaluation by the carrier. The medical forms are available here for residents of New York, New Jersey, Connecticut or Pennsylvania. Address is on the form.
For a premium-generally met through payroll deduction-the benefits are improved three ways:
- Income replacement is at 60% of pre-disability basic salary with a minimum of $1,500 per month and a maximum of $6,000 per month. Actual payment is net of required deductions, as described above.
- The duration of payments is not constrained to five years, but extends from inception to age 65. If the participant is over 60 on the disability effective date, the five-year/age-70 provision of the basic plan applies.
- Pension payments are made on behalf of the participant to a TIAA-CREF (defined contribution) pension in the amount of 10% of pre-disability basic salary.
The premium is determined by an age and salary matrix available from the carrier or from the PSC-CUNY Welfare Fund. It will change from time to time with changes to salary and increases to age. The plan year begins April 1st. Premium changes according to age and salary will be reflected in the employee's paycheck deduction or billing at the start of the applicable plan year.
Welfare Fund Continuation of Benefits During Disability Payment Period
Other Welfare Fund benefits continue for the duration of the benefit payment period. The benefit payment period may end for a variety of reasons, most typically the end of the disabling condition or return to work, or attainment of the maximum age or duration limit of the benefit, whether it is the basic coverage or the extended coverage. When the benefit payments stop, eligibility for other benefits also stops.*
A brochure providing more detailed information on the PSC-CUNY Welfare Fund Long Term Disability Program is part of the material distributed to each new employee who will be a plan participant.
An insurance certificate explaining the features of the long term disability plan through the Standard Life Insurance Company is available here. Copies of the insurance certificate are also available off-line and may be requested through a campus Benefits Officer or by contacting the PSC-CUNY Welfare Fund.
This description was expanded and clarified, April 2011.
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