Short-Term and Long-Term Disability
Penn offers Short-Term Disability (STD) and Long-Term Disability (LTD) benefits to protect you if you’re unable to work due to a severe injury or illness. STD applies for disabilities up to six months in duration, while LTD covers you if you’re continuously disabled for longer than six months.
Supplemental Long-Term Disability (LTD) coverage is available to enhance the group LTD coverage already provided by Penn. Supplemental LTD lets you protect more of your income if you become disabled and cannot work.
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Contact Us
Supplemental LTD plan administrator
UPenn@TBBgroup.net
or
(877) 321-4427
Penn Employee Solution Center
solutioncenter@upenn.edu
or
(215) 898-7372
Short-Term Disability (STD)
Penn's short-term disability benefit provides income protection if you’re unable to work for up to six months due to a severe injury or illness. The coverage is detailed in Human Resources policies for:
- Regular full-time staff through position grade 28 (Short-Term Disability Policy)
- Faculty and staff members at or above position grade 29, and/or at position grades E–H (Sick Leave and STD for Employees At or Above Position Grade 29 or in Grades E, F, G Policy)
Long-Term Disability (LTD)
Long-term disability coverage is for continuous disabilities of six months or more. 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 (administered by Aetna)—in combination with income from other sources—provides a benefit of 60% of your base salary to a maximum of $15,000 per month. Under current law, these benefits are subject to federal income tax only; they are exempt from Social Security, Medicare, state, and local income taxes.
Detailed information is in the Health and Welfare Summary Plan Description.
Supplemental Long-Term Disability (LTD)
If you would like long-term disability coverage in addition to Penn's group LTD coverage above, Supplemental LTD coverage is available to eligible University of Pennsylvania employees*. The Supplemental LTD coverage is an individual disability insurance policy between the Penn employee and the insurance carrier. It is not a group policy and it is administered by Risk Strategies, Penn’s Supplemental LTD plan administrator. The Supplemental LTD policies are offered during their own enrollment period and eligible employees can enroll without medical underwriting at a discounted rate.
To learn more about eligibility and features of the Supplemental LTD coverage, view this video or reach out to our plan administrator, Risk Strategies, at IDI-Upenn@risk-strategies.com or 877-321-4427.
*Eligible employees are full time University employees, working at least 35 hours per week, earning at least $75,000 and actively at work for at least 180 days prior to the application date.