Benefits Enrollment Guide

Disability coverage @ Harvard

Everyone faces the risk of becoming disabled due to accident or illness. In fact, the likelihood of the average person becoming disabled before they reach retirement is far higher than most people realize.

Harvard provides a range of Short and Long Term Disability coverage to deal with this eventuality.

• In most cases, the Short Term Disability Program, fully funded by Harvard, pays a substantial percentage of base pay to employees.
• The optional Long Term Disability Program provides income replacement and benefits continuation if you are unable to work for longer than six months. When combined with Social Security and/or Workers’ Compensation, this program provides 60 percent of your pre-disability salary.

And, to provide extra security, while you are receiving Long Term Disability benefits, your participation in Harvard’s medical, dental and life insurance plans continues at no cost to you and you continue to accrue service under the Pension Plan. The period during which you are disabled even counts toward earning pension benefits!