Benefits Plans - Long-Term Disability Plans
- Basic Long-Term Disability
- Expanded Long-Term Disability
- Coverage for Your Dependents
- Definitions of Terms
University disability plans define disability as a time when you are totally disabled, no longer able to engage in any occupation or employment for which you are suited by education or training, and the disability is expected to last at least 12 months. If you are a practicing physician, the Expanded Long-Term Disability Plan, under a special provision, will provide partial disability coverage.
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.