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Long Term Disability

The Ave Maria Flexible Benefit Plan provides a long-term disability (LTD) benefits plan to help eligible employees cope with an illness or injury that results in a long-term absence from employment. LTD is designed to ensure a continuing income for employees who are disabled and unable to work.

LTD benefits are offset with amounts received from Social Security or workers' compensation during or for the same time period.

This coverage pays you a monthly income up to 60% of earnings to a maximum of $10,000 per month for the rest of what would be your working years if you become permanently disabled.  It begins after you have been out of work due to the same or a related Sickness or Injury for more than 26 weeks (180 Days of Disability).  Your employer pays the cost of this coverage.

For a summary of coverage, please click here for MI; otherwise, outside of MI.

Details of the LTD benefits plan including benefit amounts, and limitations and restrictions are described in the Cigna LTD Certificate; please click here.