Long-Term Disability (LTD)

Penn provides Long-Term Disability (LTD) benefits for full-time faculty and staff members. LTD coverage applies when you’re unable to work due to a covered illness or injury greater than 6 months of duration. 

You’re eligible for LTD coverage as of your date of hire, and Penn pays the full cost for this coverage. 

If you’re unable to work due to a covered long-term disability, Penn's group LTD plan provides a benefit of 60% of your base salary to a maximum of $7,500 per month. These benefits are subject to the same state, local, and federal taxes you pay on your salary.

For detailed information on Penn’s group LTD coverage, see the University of Pennsylvania’s Health and Welfare Summary Plan Description (SPD).

Penn also offers Supplemental Long-Term Disability coverage to full-time faculty and staff members. Click here for more information about this offering.