Long-Term Disability

Ohio State strives to offer benefits that enhance financial security for you and your family. Upon an approved claim, long-term disability (LTD) benefits provide income protection after a 90 calendar day waiting period when your extended disability prevents you from working.

Ohio State partners with Unum, a leading insurance provider, to offer LTD to eligible employees. Contact Unum at (866) 245-3013 one month in advance to start the claims application process if you are expecting to be off work for more than 90 calendar days.

Documents and Resources

Long-Term Disability Benefit Details

Upon an approved claim, long-term disability (LTD) coverage provides 60% of your regular base monthly pay, to a maximum of $5,000 per month. LTD payments are distributed monthly and considered taxable income.

You may use vacation time while receiving LTD benefits to supplement your income. However, you cannot supplement your LTD benefits with sick time or paid parental time. Using sick time or paid parental time while receiving LTD payments will result in a reduction of your LTD payment. Any other disability payments for which you may be eligible—such as Workers’ Compensation, Social Security and state retirement system benefits—will also offset your LTD payments.

You must coordinate any paid time off you wish to use during your leave of absence and disability benefit period with your department/manager to avoid pay errors.

For additional details please see the Disability Program Specific Plan Details.

This is intended to be an overview. Refer to the Plan Document for complete information. In the event the information on these pages differs from the Plan Document, the Plan Document will govern.