The University provides the following benefits to all regular, full-time employees. Benefits are included at no cost to eligible employees. Enrollment for sponsored life and disability benefits is automatic and effective immediately upon date of hire. Sponsored benefits cannot be declined.
Vendor: The Standard
Phone: 855-757-4714
InfoBeneficiary Required
All employees enrolled in life insurance coverage through The University of Alabama must provide beneficiary information in Benefitfocus in order for The Standard to administer the benefit appropriately upon death.
Group Term Life Insurance
The University provides a group term life insurance plan from The Standard that pays your beneficiary a designated amount upon your death. The Group Term Life coverage comes with a special feature called the Accelerated Benefit Option. This option allows you to access up to 80% of your group term life insurance proceeds to a maximum of $240,000 should you become terminally ill and are diagnosed with less than twelve months to live. The coverage amount varies with annual salary:
| Annual Base Salary | Coverage Amounts |
|---|---|
| Up to $23,999 | $30,000 |
| $24,000 to $29,999 | $37,500 |
| $30,000 to $39,999 | $50,000 |
| > $40,000 | 125% salary ($300,000 max benefit) |
Group Life Forms and Resources:
Long-Term Disability
The University provides long term disability (LTD) insurance for income replacement/salary continuation at 66 2/3% of current salary (not to exceed $10,000 per month) after a 90-day waiting period if the employee is unable to return to work due to “total disability” from a non-work-related injury or illness. If your claim is approved by The Standard, benefits are payable on the 91st day from the date of disability. After 90 days of benefit payments, the rate drops to 60% of pre-disability earnings reduced by deductible income and continues at that rate for the duration of the claim.
Maximum Benefit 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 your disability begins up to a maximum of 3 years and 6 months.
When Benefits End: LTD Benefits end automatically on the earliest of:
- The date you are no longer disabled.
- The date your maximum benefit period ends.
- The date you die.
- The date benefits become payable under any other LTD plan under which you become insured through employment during a period of temporary recovery.
- The date you fail to provide proof of continued disability and entitlement to benefits.
Initiate Claim: Call The Standard’s Claim Intake Service Center at 800-378-2395.
Long-Term Disability Forms and Resources:
- LTD Benefits at a Glance
- LTD Frequently Asked Questions about filing a claim
- LTD Claims Packet (Instructions and Forms)
- LTD Conversion Packet (for eligible employees upon termination)
Accidental Death & Dismemberment
The University provides an Accidental Death & Dismemberment (AD&D) policy from The Standard in the amount of $22,500 payable if death was caused by an accident. In instances where the employee’s death was caused by an accident, the beneficiary would receive both the University-Paid Group Term Life and AD&D benefit. AD&D also pays a benefit if a serious injury results in dismemberment (i.e., if you lose a limb or the ability to see, you may be paid a part of your benefit).
Group AD&D Forms and Resources: