Long-Term Disability

To ensure financial security for you and your family during an extending disability, The Texas A&M University System offers a Long Term Disability (LTD) plan. It is designed to be a source of income if you are unable to work due to disability.

Long-Term Disability

When can I enroll?
You can enroll in the Long Term Disability plan during your first 60 days of employment or subsequently during an Annual Enrollment period. Evidence of good health is not required to enroll in LTD.

What is “Disability”?
You are considered disabled if you are unable to perform one or more of the essential duties of your job due to sickness or injury and you are earning 80% or less of the amount (adjusted for inflation) you were earning before you became disabled due to that sickness or injury. This definition of disability applies during the 90-day waiting period and the next 60 months of disability.

What is the benefit amount?
The Long Term Disability benefit replaces 65% of your gross monthly earnings, less income you may receive from certain other sources (e.g., Social Security, Workers’ Compensation, etc.). The maximum monthly benefit is $8,000. There is also a minimum monthly benefit of $100 or 10% of your monthly benefit, whichever is greater. So even if you are receiving sick leave pay, you can receive some benefit from Long-Term Disability.

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