Disability Coverage
Supplemental Long-Term Disability (Supplemental LTD) coverage is available to eligible employees 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.
Contact Us
Penn Employee Solution Center
solutioncenter@upenn.edu
or
(215) 898-7372
Standard Insurance Company (The Standard)
IDI-Upenn@risk-strategies.com
or
(877) 321-4427
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 (Policy for Sick Leave and STD for Employees at or above Position Grade 29 or in Grades E, F, or G)
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.
For detailed information, see the Health and Welfare Program's Summary Plan Description.
Supplemental Long-Term Disability (Supplemental LTD)
If you would like long-term disability coverage in addition to Penn's group LTD coverage above, Supplemental LTD coverage is offered by Standard Insurance Company (The Standard) to eligible University of Pennsylvania employees. Supplemental LTD is individual insurance coverage between the Penn employee and The Standard; it is not a group policy and is not administered by Penn. The Standard offers this coverage at a discounted rate to eligible Penn employees.*
If you’re a newly eligible full-time faculty or staff member, detailed information about Supplemental LTD will be mailed to your your home address. To learn more about eligibility and features of the Supplemental LTD coverage, visit The Standard's webpage for Penn employees or view a video presentation.
If you have additional questions about Supplemental LTD, contact The Standard at 877-321-4427 or IDI-Upenn@risk-strategies.com.
*This information about The Standard's Supplemental LTD coverage was in effect at the time this webpage was published. Because this is individual coverage administered by an external insurance company, this webpage might not reflect the most current information. Please contact The Standard for up-to-date information about Supplemental LTD coverage.