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Box 90496
Durham, NC 27705
(919) 684-5600

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HR Home >> Benefits >> Disability Benefits >> Duke Disability >> Amount of Coverage

DISABILITY BENEFITS

Duke Disability: Amount of Coverage

If you are disabled prior to reaching age 61, the plan will pay you benefits until you reach age 65, as long as you continue to qualify under the applicable definition of total or partial disability.

If you become disabled after reaching age 61, your benefits will continue according to the following table:

Age at Disability	Maximum Benefit Period*
Less than age 61	To age 65
61 but less than 62	48 months
62 but less than 63	42 months
63 but less than 64	36 months
64 but less than 65	30 months
65 but less than 66	24 months
66 but less than 67	21 months
67 but less than 68	18 months
68 but less than 69	15 months
69 and over	12 months

* The end of the month following

For more information about the coverage provided by the Duke Disability plan, please see the Summary Plan Description.

Total Disability
Partial Disability

Total Disability

Total disability is defined as the following:

For Licensed Commissioned Police Officers employed at the University on or after July 1, 1997, who have received a Company Policy Commission under NCGS Chapter 74E that is held by the Duke University Police Department — You are unable to do the essential duties of your own occupation because of sickness or accidental injury.
For all other employees — You are unable to perform the essential duties of your own occupation during the first 24 months of disability payments due to sickness or accidental injury. After 24 months, you are unable to perform the essential duties of any occupation you are or could reasonably become qualified for by education, training, or experience.

Your monthly income benefit for total disability is equal to the lesser of 60% of your basic monthly earnings or $25,000,

minus

any other income, such as employment income or Workers' Compensation or Social Security payments.

Please note that your disability benefits are subject to federal and state taxes as taxable income.

Partial Disability

You are partially disabled when your indexed basic monthly earnings are reduced by more than 20% and you are unable to work your full work schedule because of sickness or accidental injury.

Your monthly income benefit is equal to your indexed basic monthly earnings

minus

your current monthly earnings

divided by

your indexed basic monthly earnings

times

the benefit you would receive if you were totally disabled (before other income is subtracted)

minus

any other income.

hr@mc.duke.edu