Long Term Disability

Tools and Resources



LONG TERM DISABILITY (LTD) FOR MEDICAL HOUSE STAFF


Emory offers a Long Term Disability benefit through UNUM to provide an income in the event you become disabled due to an injury or illness that is not work-related.

With LTD coverage provided by Emory, you can receive a benefit equal to 60% of your base salary in the event you are unable to work due to a non-work-related injury or illness. With LTD, there is a 90-day elimination period. Emory’s LTD coverage has a monthly maximum benefit of $5,000. It is automatically provided on your date of hire in a benefits-eligible status. For LTD coverage, the 60% salary benefit is taxable to the recipient as LTD is employer paid.

Definition of Total Disability: Inability to perform the material duties of your own occupation. Your "Own Occupation" is the specialty or sub-specialty of medicine you practiced immediately prior to the onset of disability.

Important Notes: