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Long-Term Disability

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Long-term disability insurance is provided to fully benefits-eligible employees. This insurance covers you if you become disabled and are unable to work for six months or longer. Unum is the administrator.

Coverage Options

Basic Coverage

VUMC pays for basic long-term disability insurance, which covers 60% of the first $24,000 of your annual base pay. The maximum benefit is $1,200 per month (60% of $24,000 divided by 12). The benefit also includes a 10 percent monthly contribution to your retirement account if you are a participant in the Vanderbilt University Medical Center Retirement Plan. See the Long-Term Disability Summary Plan Description for complete details.

Full Coverage

Newly benefits-eligible employees are automatically enrolled in full coverage to cover the amount between $24,000 and your annual base pay. This coverage pays 60 percent of your covered base salary, up to a maximum monthly benefit of $33,000. You can opt out of full coverage at any time on My VUMC Benefits. See the Benefits Overview 2017 for Faculty and Staff (VUnetID required) for rates. See the Long-Term Disability Summary Plan Description for complete details.

How to Enroll

If you are a new fully benefits-eligible employee, you are automatically enrolled in full 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.

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

How to Make Changes

You can opt out of full coverage at any time on My VUMC Benefits. If you wish to add full coverage at a later date, 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.