Your LTD Benefits

Participating in LTD

Eligibility

Mandatory Coverage Rules

Cost of Coverage

Changing Your Coverage

Waiving Coverage

LTD Coverage During a Leave

Short-Term Disability

Family and Medical Leave

Leave of Absence

Military Leave of Absence

When Coverage Ends

Converting to an Individual Policy if LTD Coverage Ends

How LTD Works

Your Options

Normal Occupation

Continuation of University Benefits while on LTD

Receiving LTD Benefits

Applying for Benefits

Claim Determination and Notification

When Benefits Are Paid

Overpayment of Benefits

When Benefits are not Payable

When LTD Benefits End

If You Recover

Re-Employment at the University

If You Have a Recurring Disability

Maximum Duration of Benefits

If You Die

Administrative Information

Assignment of Benefits

If Your Claim is Denied

Asking for a Review (Appeal of an Adverse Benefit Determination)

Your ERISA Rights

Receive Information About the Plan and Benefits

Prudent Actions by Plan Fiduciaries

Enforce Your Rights

Assistance with Your Questions

Discretionary Authority

Service of Legal Process

Plan Amendment and Termination

Collective Bargaining

Other Plan Information

Glossary

A Final Note

While this Summary Plan Description summarizes the major provisions of this plan, it does not provide you with every plan detail. The plan documents, which govern this plan, provide full details. If there are any discrepancies between this Summary Plan Description and the legal plan documents, the legal plan documents control.