Long Term Disability (LTD) Insurance

• Works at least half-time (20 hours per week) or more.
• Appointed for nine (9) months or more.
• Participation is automatic.

Premiums for the long term disability insurance are paid by the University of Northern Iowa.

Employment Status

• You will be terminated as an employee from the university, so your position may be filled.
• If able to return to work in the future, the employee may apply for open positions.

Health, Dental, and Vision Insurance

• The option to maintain health, dental, and vision coverage is available through the Consolidated Omnibus Budget Reconciliation Act (COBRA) for a period of 24 consecutive months. Detailed information about premium and coverage options through COBRA will be provided by HRS Benefits staff. For frequently asked questions on COBRA visit the Department of Labor website.
• For participants who elect COBRA UNI health insurance coverage, the long term disability insurance will reimburse them for actual incurred monthly medical premiums, not to exceed $750 per month for a period of up to 24 consecutive months.
• Principal Life Insurance Company will also assist participants in applying for Social Security Disability Benefits. To learn more about these benefits, visit the Social Security Disability Benefits website.

Retirement

• TIAA
  Employees who elect TIAA as their provider of their University Sponsored Retirement Plan are automatically enrolled in the [TIAA] Retirement Plan Supplement Benefit as described in the Group Long Term Disability Insurance Policy Booklet. In the event the employee enters into long term disability the university will contribute both the employee and employer contribution. Note: The disability monthly income will be reduced when a participant receives any retirement plan distribution payments.
• IPERS
  Disability benefits are included in this retirement plan. Understanding Your Disability Benefits, summarizes the disability benefits available to Regular and Special Service members, compares the differences between the different types of disability benefits available to Special Service members, and explains the disability benefits application process. Note: The disability monthly income will be reduced when a participant receives any retirement plan distribution payments.

Life Insurance

You may qualify to continue to be covered under the University Sponsored LTD Policy under a Survivors Benefit. Principal Financial Group will make the determination. If no longer eligible to be covered you may choose to continue coverage through Principal Financial Group with an independent policy. For more information visit the UNI Principal Portal.

Annual Open Enrollment

If you do not make any changes during open enrollment your coverage selection will remain the same.

Qualifying Life Event

You may also enroll, waive, or change your coverage selection based on a qualifying life event.

UNI Works

UNI Works is designed to help you enroll, make changes, and view your current benefit elections, dependents and beneficiaries all in one location. When logging into UNI Works, select Benefits and Pay from the Main Menu