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Long-Term Disability

No one plans to be disabled, but are you prepared if it were to happen to you?  Disability can cause financial hardship.  A disability plan is a great source for providing the income protection you need.  It is an insurance on your income: when you are unable to work due to a disability, you receive benefits to help pay for life’s necessities.

 

Employees can apply for an LTD policy at anytime during the year.  If you are within your first 30 days of hire, you are guaranteed issue of this policy.  If you are not within 30 days of your hire date, you will need to complete the Lincoln Financial online Evidence of Insurability (EOI) form to apply for coverage.

 

Lincoln Financial Plan

This plan is a voluntary plan and premiums will be deducted from your paycheck as an after-tax deduction. 

  1. Cost is $.27 per $100 monthly salary
  2. You get 60% monthly income coverage, up to $6,000
  3. Access to file claims online   
  • APPLYING FOR LTD BENEFITS

    In order to be eligible for benefits under this policy, you must be covered under the LTD insurance plan.  Your physician must also determine whether or not you are disabled for six months or longer in order to apply for benefits under this policy.  If you are applying for your LTD benefits under the policy you purchased, please read Employee Procedures Applying for LTD to guide you through the process.

     

    It is important to coordinate your LTD leave of absence with your department.  Your LTD paperwork should be submitted to the Absence Management Specialist no later than your last day of work. 

     

    If you have any questions regarding your policy or the procedures to file a claim, please contact the Absence Management Specialist at 405.744.7401 or absence@okstate.edu.  

Important Links

Lincoln Financial

LTD Department Procedures (Absence Management Specialist Site)

LTD Employee Applying Procedures

LTD Group Disability Certificate of Insurance

Life Insurance Certificate of Insurance

OSU LTD Policy 3-0750

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