KBOR Long Term Disability Plan
Kansas Board of Regents (KBOR) Mandatory Retirement Plan participants are provided long term disability (LTD) benefits through the KBOR Mandatory Retirement Plan and through KPERS.
You are eligible to receive LTD benefits if you are a participant in the KBOR Mandatory Retirement Plan, are disabled for more than 180 calendar days and are approved for LTD benefits..
You are automatically enrolled in the KBOR Long Term Disability plan when you begin participating in the KBOR Mandatory Retirement Plan.
Applying for LTD
To apply for LTD, contact the Benefits Office to inform them of your last day physically at work and the Benefits Office will submit the appropriate paperwork.
- Monthly LTD Benefit: 60% of the employee's monthly rate of compensation. Minimum monthly benefit of $100 and maximum monthly benefit of $5,000 (subject to reduction by deductible sources of income).
- Retirement Contributions: When approved for the LTD benefit and once the benefit coverage begins, KU will contribute 14% of the employee's compensation (both the employee's 5.5% contribution and the university's 8.5% contribution) to the employee's mandatory retirement plan; however you will not be allowed to make contributions. The 14% contribution will continue for a maximum of five years, or for the length of LTD eligibility, whichever is less.
- Transition LTD Benefits: If you meet certain criteria, you will be eligible to receive an after-tax long-term disability payment each month, which equals the 14% retirement contributions made by KU. All applicable taxes will be withheld from the monthly transition LTD benefits. The Transition benefit will continue for as long as the employee is approved for LTD.
- While on approved long-term disability, you will continue to be covered, at no cost to you, by the Basic Life Insurance benefit. Optional Group Life Insurance coverage can be continued by paying the same rates paid during active employment by completing and submitting the Optional Group Life Insurance Continuation form (pdf) and paying premiums directly to The Standard Life Insurance.
The following conditions apply to the long term disability plan:
- You must confirm your disability annually.
- If you become disabled before age 60, you can continue to receive disability benefits until you retire or reach age 65, whichever comes first.
- If you become disabled at or after age 60, you can continue to receive disability benefits for five years or until you retire, whichever comes first.
- You will not be able to access your KBOR Mandatory Retirement Plan funds while receiving benefits under the long-term disability program.
- When your disability benefits end, you may apply for retirement benefits.
For more information on benefit details and other requirements, please download and review the Long-Term Disability Summary Plan Description (pdf) and the Long-term Disability Benefits Available to Participants in Kansas Board of Regents Mandatory Retirement Plan (pdf). Departmental payroll personnel should work with their appropriate budgeteer or consult with the Office of Budget Management and Fiscal Services for funding of the KBOR LTD benefit.
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