Benefits Plans - Long-Term Disability Plans

University of Michigan Long-Term Disability (LTD) plans pay a percentage of your pre-disability base salary should you become disabled. The plans also pay the cost to continue most of the benefits you have at the time of disability. Disability under the plans is defined as a time when you are totally disabled, no longer able to engage in any occupation or employment for which you are reasonably suited by education, training or experience, and the disability is expected to last at least 12 months.

Expanded Long-Term Disability is for eligible faculty and staff members. If you are a practicing physician, the Expanded LTD Plan, under a special provision, will provide partial disability coverage.

Basic Long-Term Disability is now available to AFSCME members only, after four years of service.  If you are a regular faculty or staff member hired before September 1, 1981, or a Trades member hired before 8/1/1986, and you did not switch to the Expanded LTD Plan, you are covered under the provisions of the Basic LTD Plan.




The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.