JHU Benefits Site - Disability

Disability

You have the opportunity to purchase Short-Term Disability insurance, which provides income protection if you are unable to work due to illness, injury, or other disability. The university automatically provides Long-Term Disability insurance. To learn more, review the sections below:


Short-Term Disability

Short-Term Disability benefits begin after the 14th consecutive day of illness and continue for up to 11 weeks provided you remain disabled and unable to work. The plan will pay 60% of your weekly base earnings, not to exceed $1,000 per week, for an eligible absence. You may elect or drop your coverage during annual enrollment. Note that your benefits may be reduced if you are receiving other disability benefits (i.e., Workers’ Compensation, Social Security).

View the Short-Term Disability Policy for more information.

Long-Term Disability

Long-Term Disability benefits begin after 90 consecutive days of absence and continue as shown in the chart below. The plan will pay 60% of your monthly base earnings, not to exceed $10,000 per month, for an eligible absence. In addition, the plan will pay an extra 10% benefit to a TIAA-CREF Retirement Plan account as long as you receive disability benefits. The retirement contribution is a special feature of the plan and does not reduce your monthly disability income. You do not need to enroll in this coverage – it’s a 100% university-paid benefit. To be eligible, you must have:

  • Completed one year of continuous full-time service at the university, or
  • Joined the university within three months of leaving another employer where you were covered under a similar plan for at least one year. You must submit documentation of this previous coverage.


Long-Term Disability Benefits
Age When Disability Begins Maximum Period Payable
 
Age 59 or younger To your 65th birthday
Age 60 through 68 60 months or to your 70th birthday, whichever comes first
Age 69 or older 12 months

Plan benefits may be paid after you have been unable to work for 90 days or when Short-Term Disability coverage expires, whichever occurs later.

View the Long-Term Disability Policy for more information.

View an Overview of Benefits for Long Term Disability Participants to understand what happens to your benefits while you are on LTD.

Reporting a Disability

If you need to report a Short-Term Disability, there are several steps you need to follow:

  • Contact your manager,
  • Call The Hartford at 1-800-303-9744 no later than your 10th day of absence.

For a Long-Term Disability Claim, you will need to:

Workers’ Compensation

In accordance with applicable law, as an eligible employee working in the United States, you are covered by Workers’ Compensation Insurance for accidental injury and occupational disease arising out of and/or in the course of employment. JHU pays the entire cost of this coverage if the injury is reported and appropriate forms are filed.

Workers’ Compensation benefits include the payment of related hospital and doctor bills, prescriptions for the related injury or disease, and payment of a portion of your wages while disabled.

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