GIC Long Term Disability

Unum is the Long-Term Disability (LTD) carrier. LTD is an income replacement program that protects you and your family in the event you become disabled and are unable to perform the material and substantial duties of your job.

If you become ill or injured and are unable to work for 90 consecutive days, this program will provide you with:

  • A tax-free benefit of 55% of your gross monthly salary
  • A benefit for mental health disabilities and for partial disabilities
  • A rehabilitation and return-to-work assistance benefit
  • A dependent care expense benefit

You may enroll in Long-Term Disability during your 30-day new hire period without evidence of medical insurability. If you do not enroll during your new hire period but decide to enroll at a later date, you will be required to provide evidence of medical insurability. Unum will send you a medical questionnaire after they are notified of your request to apply for coverage.

Benefits are reduced by other income sources, such as Social Security disability, Workers’ Compensation, and accumulated sick leave and retirement benefits, but the minimum benefit will be $100 or 10% of your gross monthly benefit amount, whichever is greater.

For more information, please review the GIC Benefit Decision Guide.

If you wish to apply, please submit a Form-1 and fax, scan or mail it to:

Benefits-HR Service Center

UMMS
333 South Street, 2nd Floor
Shrewsbury, MA 01545

Fax (508)856-4049

For any questions, please contact the Benefits Department by email Benefits.UMMS@umassmed.edu or phone at (508)856-5260, option 1 or TTY (508)856-4053.

This page contains a general description of this benefit. Please understand that this does not provide you with all the details of the different plans. For more comprehensive information regarding any of our benefit programs, please refer to the Summary Plan description for each of the plans described in the booklet which can be obtained in the Benefits Department.