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Life and Long-Term Disability Insurance

Life, Long-Term and Short-Term Disability Insurance

 

Basic Life and Accidental Death and Dismemberment Insurance

The University of Dallas provides Basic Life and Accidental Death and Dismemberment (AD & D) insurance equal to one time the employee's annual base pay up to $100,000 to all eligible employees. The University pays 100% of the cost for this coverage. Employees are automatically enrolled in Basic Life and AD & D upon becoming eligible.

Basic Life and AD&D Summary 

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Voluntary Life/AD&D Insurance

Employees may also purchase Voluntary Employee and Dependent Life Insurance.

Benefits Coverage Available
Employee Voluntary Life $10,000 increments up to $300,000 or 5x salary (EOI required over $100,000)
Spouse Life $5,000 increments up to $50,000 or 50% of Voluntary Employee Coverage (EOI required over $30,000)
Child Life $10,000 per child (no EOI required)

To buy Spouse Life Insurance coverage, you must first elect Voluntary Life Insurance coverage for yourself. Spouse coverage cannot be more than 50% of your Voluntary Life coverage amount.

Evidence of Insurability (EOI) must be completed if:

  • You request coverage over the Guarantee Issue amounts: $100,000 for employees under age 60; $50,000 for employees age 60-69; $10,000 for spouses of those employees age 60-69; EOI required on any amount for employees over the age of 70.
  • You do not enroll when first eligible.

Voluntary Life and AD&D Summary and Cost 

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Long Term Disability Insurance

 
The University provides Long Term Disability (LTD) insurance to protect your income if you become disabled and unable to work for an extended period of time. In addition, you may purchase "buy-up" coverage to supplement this protection.
 
LTD Core Benefit
Benefit 50% of basic monthly earnings
Elimination Period 180 days
Maximum Benefit $2,500/month
LTD Buy-up
Benefit 60% of basic monthly earnings
Elimination Period 180 days
Maximum Benefit $5,000/month
 
Long-Term Disability Summary and Cost
 

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Short-Term Disability Insurance

 

Short-Term Disability Summary and Cost 

 

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