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,
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.
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
your current monthly earnings
your indexed basic monthly earnings
the benefit you would receive if you were totally disabled (before other income is subtracted)
any other income.
Maximum Benefit Period
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
|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 month|
* The end of the month following
For more information about the coverage provided by the Duke Disability plan, please see the Summary Plan Description.