Loyola University Maryland

Office of Human Resources

Disability Insurance

The purpose of disability insurance is to replace a portion of your income if illness or accident prevents you from working for an extended period of time. Typically, benefit payments are calculated as a percentage of monthly earnings, and are paid after an employee has been absent from work due to a disability for a specific period of time.

Core Long-Term Disability

The University provides core long-term disability benefits at no cost to eligible employees. If you become disabled, the plan provides a monthly income benefit, including any social security or workers’ compensation payments, equal to sixty-six and two-thirds (66 2/3) percent of your base monthly pay up to the plan maximum. The benefit begins with the first day of the month following six (6) months of continuous disability.

Buy-Up Long Term Disability

The University provides eligible employees the opportunity to purchase the buy-up disability option. If you become disabled, the plan provides a monthly income benefit, including any social security or workers’ compensation payments, equal to sixty-six and two-thirds (66 2/3) percent of your base monthly pay up to the plan maximum. The benefit begins with the first day of the month following three (3) months of continuous disability.