Long-Term Disability

The University of Memphis is partnering with the Tennessee Board of Regents to offer long-term disability (LTD) coverage to our eligible employees. The vendor offering this coverage is named MetLife.

Protect your income in the event of a serious illness or accident by enrolling in voluntary long-term disability insurance with MetLife.  Learn more about long-term disability by visiting the State of Tennessee's Partners for Health website.

PLEASE NOTE: Employees who were already enrolled in LTD through our previous vendor have already been transferred to this new vendor. These employees do not need to take any action if no changes are desired.

If you have additional questions, please contact benefits@memphis.edu.  

Tennessee Board of Regents voluntary long-term disability plan replaces up to 60 percent of an employee’s base salary to a maximum monthly benefit of $7,000.  Premium rates for this voluntary long term disability plan are calculated based on annual income.  

Plan Provisions Level 1 Level 2 Level 3
Maximum Monthly Benefit $2,000 $4,000 $7,000
Income Replacement Percentage 50% 60% 63%
Elimination Period 180 Days 120 Days 90 Days
Cost of Living Adjustment 3% after 12 months. Limited to 5 increases
Rate Per $100 of monthly income .114 .185 .219

State higher education employees will be automatically enrolled in long-term disability Level 3, and the state will pay 100% of the premiums.