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.
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 | Option 1 | Option 2 | Option 3 | Option 4 |
|---|---|---|---|---|
| Maximum Monthly Benefit | Up to $7,500 per month (covers annual salary of $150,000) |
Up to $10,000 per month (covers annual salary of $190,476.24) |
||
| Income Replacement Percentage | 60% | 63% | ||
| Elimination Period | 90 Days | 180 Days | 90 Days | 180 Days |
State higher education employees will be automatically enrolled in long-term disability Option 3, and the state will pay 100% of the premiums. Electing Options 1, 2, or 4 require the employee to be responsible for the premiums.