Long-term Disability Insurance

You’ve been there for Missouri State. We want to help you if you become disabled.

Cost and coverage

The University provides the long-term disability coverage to full time benefit eligible employees at no cost to the employee.

Coverage provides the lesser of 60% of your monthly covered earning rounded to the nearest dollar or $10,000 per month if you are determined to be disabled for a period of at least 180 days.

The disability benefit payable to you is figured using the gross disability benefit, other income benefits and the return-to-work incentive. Monthly benefits are based on a 30-day month. The disability benefit will be prorated if payable for any period less than a month.

The plan defines disability/disabled as

  • Unable to perform the material and substantial duties of your regular occupation; and
  • Unable to earn 80% or more of your indexed earning from working in your regular occupation

** *see plan details for disability definitions beyond 36 months

** see plan details for Limitations, exclusions, and plan payment limits

How to use the benefit

Once you are unable to work due to accident or illness, you will need to file a leave with the University. You may contact the benefits team in the office of human resources for assistance. Once your leave has been filed, and your illness or injury will or is expected to result in your inability to work for a period longer than 180 days, you will file a claim with the carrier.

Forms and publications

File a claim online - click here



Contact information

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