Human Resources: Benefits
Long Term Disability (LTD)
Prospective and newly hired employees should refer to benefits under the KCTCS Personnel System. Benefit is contingent on Retirement plan election
| Personnel System |
Percentage of
basic monthly salary |
Details |
| KCTCS Personnel System |
60% -- up to a maximum monthly benefit of $5,000 until age 65 and/or retirement
The Standard |
Faculty and Staff in the 403(b) retirement plan will be covered by the Long Term Disability plan after 1 year of service. Employees will participate in a plan offered by The Standard. This is available to regular full-time employees at NO cost. An employee receiving LTD benefits may continue to participate in all benefits available to a regular employee with the exception of retirement. Employees on LTD benefits will no longer receive a retirement contribution and may not take distributions from their retirement account until they separate from service.
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Supplemental LTD:
Additional 15% salary
100% catastrophic benefit |
Supplemental LTD coverage is available from the Standard for purchase by employees on a post-tax basis. |
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KTRS
KERS
| Faculty and Staff in the KTRS or KERS retirement plan will be covered by the Long Term Disability plan after 5 years of service, 12 months must be current. Employees will participate in the KTRS and/or KERS LTD plan. Contact the retirement system to file a claim or ask a question. |
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Supplemental LTD:
Additional $500 mo.
100% catastrophic benefit |
Supplemental LTD coverage is available from the Standard for purchase by employees on a post-tax basis. |
| 18A, 151B Personnel System |
60%
KTRS
KERS |
Faculty and Staff in the KTRS or KERS retirement plan will be covered by the Long Term Disability plan after 5 years of service, 12 months must be current. Employees will participate in the KTRS and KERS LTD plan. Contact the retirement system to file a claim or ask a question. |
| UK Personnel System |
100% 1-6 months
60% until age 65 and/or retirement
UK Benefits
Supplemental LTD:
Additional 10% salary
Unicare |
Faculty and Staff are eligible to participate after one year of service. There is NO cost to the employee. Employees are eligible to participate in all benefits available and will receive an employer contribution to their retirement account.
Employer contribution to medical plan continues until participant is Medicare eligible, then participant may access health plan at their own expense.
Employees have option to purchase a buy-up option equal to 10% of base salary. Increases aggregate income to 70%. Subject to medical underwriting. |
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