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Northwest Missouri State University


Long-Term Disability

Northwest provides long-term disability (LTD) insurance through The Standard Insurance Company. This benefit is available to all benefit eligible employees at no cost to the employee. This plan may provide a total disabled employee a monthly benefit of 60 percent of his/her pre-disability earnings reduced by deductible income.

Plan Maximum Monthly Benefit: $7,000/month
Plan Minimum Monthly Benefit: $100/month

If your claim for LTD benefits is approved by The Standard benefits become payable after you have been continuously disabled for 180 days and remain continuously disabled. Benefits are not payable during the benefit waiting period.

If you become disabled before age 62, LTD benefits may continue during disability until you reach age 65. If you become disabled at age 62 or older, the benefit duration is determined by your age when disability begins.

A Group Insurance Certificate containing detailed descriptions of the insurance coverage can be provided by contacting Human Resources.