- General Information
- Employment Benefits
- GM Supplier Discount
- 2016 - 2017 Walking Program
- Ticket Monster Perks
- BMW Corporate Sales Program
- Mercedes-Benz Fleet Employee Program
- Pinch Hitter Service Hits A Home Run
- Employee and Spouse Tuition Benefit
- Dependent Children Tuition Benefit
- Pinch Hitter Back up Dependent Care Services
- Paid Time Off
- Military Leave of Absence
- Rensselaer Self-Service Information System (RSS)
- Supplemental Retirement Program
- Employee Assistance Program
- Adoption Reimbursement
- Pre-Tax Parking
- Social Security / Medicare
- Workers' Compensation
- Family and Medical Leave
- Insurance Benefits
- Global Emergency Service (For CDPHP Members Only)
- The Standard / EyeMed Vision Care
- Medical / Health Insurance
- Health Insurance FAQ
- Dental Insurance
- Long-Term Disability Insurance
- Consolidated Omnibus Budget Reconciliation Act (COBRA)
- Flexible Spending Accounts
- Basic Term Life Insurance
- Supplemental Life Insurance
- Supplemental Accidental Death and Dismemberment Insurance
- Travel Insurance
- New York State Unemployment Insurance
- Privacy Notice Regarding Rensselaer's Health Insurance Portability and Accountability Act (HIPAA)
Long-Term Disability Insurance
All regular or fixed-term full-time employees are eligible for this benefit. Coverage will be effective on the first day of the fourth month following the date of hire.
This coverage replaces 60% of basic monthly earnings (after an initial disability of 90 continuous days) to a monthly maximum benefit of $5,000 subject to offset by other income.
Rensselaer pays 100% of the cost of the premium. At time of eligibility or during an open enrollment period, current or new participants may buy additional coverage to increase the benefit to 66 2/3% percent of basic monthly earnings to a maximum benefit of $7,500.
Who may participate?
All regular or fixed-term full-time employees are eligible for this benefit.
Long-Term Disability (LTD) insurance provides income that would otherwise be lost when you are unable to work due to an extended period of disability.
What is it?
This coverage replaces 60 percent of your monthly income (up to a maximum monthly benefit of $5,000) to age 65 (or later, depending on when the disability begins) if you are unable to work after an initial disability of 90 continuous days. The 60 percent replacement income will be offset by any income you receive from other sources such as Social Security (disability) or Workers’ Compensation.
How much does it cost?
Rensselaer pays 100% of the cost of coverage for any regular full-time employee.
Can I buy additional insurance?
At time of eligibility or during an Open Enrollment period, current participants or new participants may buy additional coverage to increase the benefit to 66 2/3% of basic monthly earnings to a maximum benefit of $7,500.
How do I file a claim?
If you are disabled and expect the disability to continue for more than 90 days, you must apply for the long-term disability insurance benefit through Human Resources. In order to ensure uninterrupted continuation of income, your application should be received by Human Resources no later than 60 days (the first day of the second month) from the date of the onset of your disability.
More detailed information is contained in the Summary Plan Description, which is available at the Human Resources office.