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Long-Term Disability

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Long-term disability insurance replaces 60 percent of your covered income if you
become disabled and cannot work for more than six months. Initially, a disability
is one that prevents you from working at your own occupation.

Long-term disability is administered by Unum.

You can choose from three long-term disability plan options.

Coverage Options

Full long-term disability

Full long-term disability covers the amount between $24,000 and your annual base pay and includes a 10 percent monthly contribution to your retirement account if you become disabled and are a participant in the Vanderbilt University Medical Center Retirement Plan. See the Long-Term Disability Summary Plan Description for complete details.

Core long-term disability

Core long-term disability only covers the amount between $24,000 and your annual base pay and will not include the 10 percent monthly contribution to your retirement account.

Base long-term disability

Base long-term disability only covers the first $24,000 of your annual base pay and is paid for by VUMC.

How to Enroll

If you are a new fully benefits-eligible employee, you are automatically enrolled in the full long-term disability coverage on the first of the month after your one-year anniversary. You can waive the one-year wait if you had group long-term disability coverage within 90 days prior to starting work at VUMC. Complete and submit the Long-Term Disability Certification of Prior Coverage Form within 90 days of your hire date to waive the one-year wait. Coverage will be retroactive to your hire date and any missed payroll premiums will be collected on future paychecks.

You can opt-out of the full coverage and elect core or base-only coverage at any time in My VUMC Benefits. See the Benefits Overview 2018 for Faculty and Staff (VUnetID required) for rates. See the Long-Term Disability Summary Plan Description for complete details.

If you are house staff, you are automatically enrolled upon your hire date.

How to Make Changes

You can opt out of full coverage and enroll in core or base-only coverage at any time on My VUMC Benefits. If you wish to increase you coverage at a later date(increase from base-only to either core or full coverage or increase from core to full coverage), you will need to submit an Evidence of Insurability form and could be denied.

How to File a Claim

If you expect to be out of work for six months or more, you should begin the long-term disability application process within 30 days after the disability begins or as soon as possible. To be eligible for long-term disability benefits, you need to submit your application within 12 months of the onset of the disability. Generally, the application process may take two to three months. There is a six-month period between the onset of the condition constituting a disability and when benefits are payable.1

To file a claim, call Unum at 800.836.6900 or go to When Unum receives your completed application, they will notify you and VUMC Benefits if your claim is approved as eligible for long-term disability benefits.

Benefits begin on the first day following six (6) consecutive months of total disability as defined by the plan and determined by Unum. Long-term disability payments continue for as long as the disability lasts or up to age 65, whichever occurs first. If disability occurs after age 60, the maximum period of payments is based on the following schedule:

Age When Disabled Benefits Payable
Prior to age 60 To age 65, but not less than 5 years
Age 60-64 5 years
Age 65-69 To age 70, but not less than 1 year
Age 70 and over 1 year

Also see the webpage for Benefits Information While on Leave.

1 Consistent with the Long-Term Disability Plan Document, the decision for approval of the benefit is made by the Third Party disability insurance company.