Optional long term disability benefits are available through Prudential which supplements the State Universities Retirement System (SURS)
benefits if you become disabled due to sickness or injury.
Key Factors About This Plan
- Prudential determines the effective date of coverage
- You must participate in SURS to be eligible for enrollment in the plan
- A preexisting condition limitation is applicable for the first two years of coverage
- Employees are guaranteed coverage in the plan if applied for within the first 60 days of employment
- After the first 60 days of employment, you may apply for coverage with evidence of good health
- Benefits are offset by any other benefits received, including those from SURS
- Your LTD benefit becomes payable after you have been continuously disabled through the elimination period, which is the greater of 90 days or the expiration of sick leave following accidental injury, sickness or pregnancy
- Maximum monthly benefit is 66.6%
- Monthly premiums are based on the employee's age and salary