Employees are eligible for coverage under the Brown University LTD insurance plan after working 1300 hours per year for one uninterrupted year.

Eligibility requirements may differ for employees covered by a previous employers LTD plan. It may be possible to waive the initial one year waiting period if you are newly hired and were covered by the long-term disability insurance plan of your former employer. If you were covered within three months of the date when your initial waiting period begins and you would like to have your waiting period waived, you must submit appropriate documentation of your coverage within 31 days of your date of hire.

Sample Documentation

• The employee must submit an application to Brown University’s LTD carrier for a claim decision
• The employer (a Human Resources representative from the University) must submit an Employer Statement to Brown University’s LTD carrier
• The LTD vendor will notify the employee and employer of the claim decision
• The LTD benefit may begin after the employee has been unable to work for 180 days
• You are eligible to apply 45 days before the 180 days of absence. We would not discourage you from applying at any time as this is also dependent on medical information you are receiving from your provider.

For additional information on how to submit an LTD claim, please refer to “How to Submit a Claim”.

Health, Dental and Vision Insurance

Continuation of health and/or dental insurance is available, provided the employee continues to pay the appropriate active employee rate for the first six months of an approved LTD leave and the full group-rate premium thereafter.

Life Insurance

Basic life insurance continues for the duration of the claim. The option to continue voluntary life insurance is available, provided the employee continues paying the required premiums.

Years of Service

While on an approved LTD claim, even though the employee has no job rights, there is no disruption in the employee’s years of service calculation.