Voluntary Long Term Disability


Voluntary Long Term Disability (LTD) insurance provides financial protection for eligible employees by paying a percentage (50% or 60%) of monthly earnings up to a maximum of $6,000 per month, in the event of a covered disability. 

Why enroll in Long Term Disability?

If you become disabled and unable to work for an extended period of time, will you be able to meet your financial obligations?  To help determine your need for disability insurance, the calculation worksheet can be found in the Voluntary Long Term Disability Brochure (PDF).

To be eligible for this coverage, the member must work at least 40 hours each week or a regular appointed faculty or staff member of Kent State and a citizen of the United States or Canada.

How to enroll in Long Term Disability?

If you are a new employee, you have 31 days from and including your hire date to enroll without completing The Standard's medical questionnaire.  Should you enroll after 31 days of your new hire date, the medical questionnaire must be completed.  NOTE:  Online completion of the application requires a group number.  Kent State's group number is 642427.

How much will Long Term Disability cost?

Since age, option choice (50% or 60%) and earnings are considered when calculating the cost, a calculation worksheet located in the Voluntary Long Term Disability Brochure (PDF) can provide assistance.

For more information and details regarding Long Term Disability plan, please review the Voluntary Long Term Disability Brochure (PDF).