Supplemental Disability Plans

NC State University offers two supplemental disability plans to provide long-term disability benefits through convenient payroll deductions. Long-term disability (LTD) benefits are provided through either Lincoln Financial Group or Standard Insurance Company.    The Lincoln Financial Group LTD plan is only for those in the Teachers’ and State Employees’ Retirement System (TSERS) or Law Enforcement Officers Retirement System (LEORS).  The Standard Insurance LTD is only for participants in the Optional Retirement Program (ORP).

Effective Dates of Coverage

Upon enrollment in a supplemental disability plan, coverage will begin the first of the month following the enrollment date or on January 1 if enrolling during an annual enrollment period.

Supplemental disability coverage ends on the last day of employment or the last day of eligibility for the plan. There are no continuation provisions for this plan.

What Are The Benefits?

Lincoln Financial Group Long-Term Disability (For TSERS/LEORS Participants Only)

  • This supplemental long-term disability insurance, offered by Lincoln Financial Group, was designed to provide coverage for those employees who are not yet eligible for the State’s plan, or who wish to supplement the State’s disability benefits. The plan is available, at a nominal cost, only to employees who are participating in TSERS.
  • After a 60-day waiting period, employees may receive a benefit equal to 66-2/3% of their monthly salary up to a maximum monthly benefit of $10,000. New employees may enroll within 30 days of eligibility without completing a medical questionnaire.
  • This plan coordinates with benefits received from Social Security, Workers’ Compensation, and DIPNC (once the employee becomes eligible for the State’s short- and/or long-term benefits). Premiums are reduced after five years of contributing membership to the State Retirement System.

Standard Long-Term Disability (For ORP Participants Only)

  • This supplemental long-term disability insurance plan, offered at a nominal cost by The Standard, is available only to participants in the Optional Retirement Program. Designed to help fill the gaps left by the State’s plan, this program replaces up to 66-2/3% of the employee’s monthly wage base up to a maximum of $15,000 per month.
  • In addition, the plan protects the employee’s retirement by providing a contribution equal to the monthly employee and employer retirement contribution (currently a combined total of 12.84%). New employees may enroll within 30 days of eligibility without completing a medical questionnaire.
  • This plan coordinates with benefits received from Social Security, Workers’ Compensation, and DIPNC (once the employee becomes eligible for the State’s short- and/or long-term benefits).

How Much Does It Cost?

 

Lincoln Financial Group Long-Term Disability

  • Premium amounts are determined by the employee’s monthly salary multiplied by an age-based rate factor. Once an employee attains five years of creditable service with the Retirement System, the employee moves to rate table 2 in that month which represents lower rates.
  • Click here to view a cost sheet

Standard Long-Term Disability

Resources

Enroll

Enrollment Period

Coverage Begins
Employer Paid State Provided Short Term & Long Term Disability Plans (DIP-NC)

Available at no cost to eligible employees working at least 3/4 time (.75 FTE) for 9 months or greater per year with at least one year of contributing service in either the Optional Retirement Program (ORP) or the Teachers’ and State Employees’ Retirement System (TSERS), earned within 36 months prior to the disability.

 Short Term Plan–Automatically enrolled after ONE year of membership participation in TSERS or ORP.

Long Term Plan–Automatically enrolled after FIVE years of membership participation in TSERS or ORP.

 n/a Short Term–After ONE year of membership participation in TSERS or ORP.

Long Term–After FIVE years of membership participation in TSERS or ORP.
Employee Paid Supplemental Disability Income Plans–Lincoln Financial Group–(For TSERS/LEORS Participants)

This supplemental long-term disability insurance, offered by Lincoln Financial Group, was designed to provide coverage for those employee’s who are not yet eligible for the State’s plan, or who wish to supplement the State’s disability benefits.

 Hired on/after September 1, 2023

Enrollment is completed via My Pack Portal>Employee Self Service>Benefits Details>My UNC Benefits

  • Paper forms will not be accepted
  • After you have made your enrollment choices, you MUST click “Submit My Elections”. After clicking submit, a pop-up will appear and you MUST click “Accept” or your choices will not be recorded. Do not overlook this important step!
  • Be sure to save/print a copy of your confirmation statement to review.

Hired prior to September 1st

Submit a completed Enrollment/Change Form to HR Benefits*

  • Online enrollment is not available to those hired prior to September 1st.

 

 Hired on/after September 1, 2023:

30 calendar days from hire/start date. These plans are dependent upon your mandatory retirement plan choice.  Failure to enroll may cause significant waiting periods or denial of coverage.

Hired prior to September 1st:

60 calendar days from hire/start date. These plans are dependent upon your mandatory retirement plan choice.  Failure to enroll may cause significant waiting periods or denial of coverage.

 Coverage begins at the hire/start date.
Employee Paid Supplemental Disability Income Plans–The Standard–(For ORP Participants)

This supplemental long-term disability insurance plan, offered at a nominal cost by The Standard, is available only to participants in the Optional Retirement Program. Designed to help fill the gaps left by the State’s plan.

 Hired on/after September 1, 2023

Enrollment is completed via My Pack Portal>Employee Self Service>Benefits Details>My UNC Benefits

  • Paper forms will not be accepted
  • After you have made your enrollment choices, you MUST click “Submit My Elections”. After clicking submit, a pop-up will appear and you MUST click “Accept” or your choices will not be recorded. Do not overlook this important step!
  • Be sure to save/print a copy of your confirmation statement to review.

Hired prior to September 1st

Submit a completed Enrollment/Change Form to HR Benefits*

  • Online enrollment is not available to those hired prior to September 1st.
 Hired on/after September 1, 2023:

30 calendar days from hire/start date. These plans are dependent upon your mandatory retirement plan choice.  Failure to enroll may cause significant waiting periods or denial of coverage.

Hired prior to September 1st:

60 calendar days from hire/start date. These plans are dependent upon your mandatory retirement plan choice.  Failure to enroll may cause significant waiting periods or denial of coverage.

 Coverage begins at the hire

Additional Resources

Lincoln Financial Group Insurance

Standard Insurance Company