Long Term Disability FAQ

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Do I have Long Term Disability Coverage?

You are enrolled in a group policy with Guardian, and if your claim is approved, Guardian will pay you $3500 a month after 90 days, in lieu of your salary.

How long will Guardian pay my monthly benefit?

As long as you doctor provides documentation that you are unable to work, you will receive the monthly benefit until you reach your retirement age. There is a 24 month limit on nervous/mental disorders.

Can I continue my Long Term Disability Insurance when I graduate?

You will be offered the option to convert from our group policy to a personal policy when you leave. The conversion has two outstanding features: an option to purchase a small policy which will cover you for any pre-existing condition, and a true “Own Occupation” definition for the entire length of your disability. There is no limit in the conversion policy for mental/nervous disorders.