LRC building
Benefits

Income Protection Benefits

The following benefits provide employees with a source of income should they become disabled and unable to perform normal duties at work. To be eligible for NDI and IDL coverage, the employee must be a CalPERS member. 

NDI provides minimal coverage if an employee is unable to work due to a non-work related injury or illness. This CSU-paid program is effective at time of appointment and provides a weekly benefit for up to 26 weeks of disability.

Information is available on the Workers’ Compensation web page.

The Long Term Disability (LTD) insurance is a CSU employer-paid benefit to eligible employees within specified employee groups. Employees not eligible for the employer paid benefit have an opportunity to purchase the plan as a voluntary insurance. LTD is an income protection program and is available to supplement IDL, Social Security disability, retirement system payments, or any other group disability plan payments. If disability criteria are met, the employee will receive 66 2/3 percent of pay, up to a specific maximum per month (varies by group), until age 65 or Social Security normal retirement age.

Employee Groups

Policy Class Number

Amount of Coverage

Management (M80)

Class 1

66 2/3% of the first $15,000 of pre-disability earnings, reduced by deductible income. Maximum benefit: $10,000 before reduction of deductible income. Waiting period 180 days.

Faculty (R03)

Class 2

Faculty (R03)- Coach or AY classification

Class 3

Academic Support (R04)

Class 4

Physicians (R01)

Class 5

Executive (M98)

Class 6

66 2/3% of the first $22,500 of pre-disability earnings, reduced by deductible income. Maximum benefit: $15,000 before reduction of deductible income. Waiting period 180 days.