JHU Benefits Site - Disability

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 base monthly 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 69 60 months or to your 70th birthday, whichever comes first
Age 70 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.