Department of Human Resources

Getting Started @ UMBC > Benefits> LTC

Long Term Disability

Underwritten by UNUM.

Not a pre-tax benefit plan, so coverage can be initiated or cancelled at any time.  If initiated after first 60 days of employment, medical review is required.

Rates based on age, annual salary and elimination period chosen.

Up to 60% of base salary payable upon 90th or 365th day of disability up to a maximum of $8,000 per month.  Benefits available until age 65.