The Northwestern University Non-Employee Postdoctoral Scholar Benefit Program

The Northwestern University Non-Employee Postdoctoral Scholar Benefit Program

Standard Insurance Company Disability Plan

‘50/50’ Long-Term Disability

You have the option of selecting the ‘50/50’ long-term disability plan.

This program offered by Standard Insurance provides you a way of protecting your income should you become disabled. It would begin begin after approximately six months of continuous disability.

Though many of us feel that we will never be disabled, the following statistic tends to disagree with that assumption: Almost 3 in 10 workers entering the work force today will become disabled before retiring (Social Security Administration Fact Sheet, January 31, 2007).

It is important to have a vehicle to offer protection to your income, to allow you to meet your financial obligations when you are unable to work. The ‘50/50’ Long-Term Disability insurance does just that. The monthly cost for this program is determined when you enter your date of birth and salary information in Section 1, and click 'Yes, I wish to purchase this insurance'. The University pays for 50% of your benefit, and you pay the other 50%. If you would like to begin this coverage, please leave the selection at 'Yes', or click 'No, I do not wish to purchase this insurance'.

Please note: This benefit is only available without evidence of insurability at initial enrollment. If at a later date you wish to enroll in this benefit, or purchase additional insurance, you will need to complete the Medical History Statement.

For more details on this valuable program, please click on Long-Term Disability Plan Benefits.

The Summary Plan Description is a comprehensive document that provides details about your plan benefits and coverage. It describes how to access the benefit, how the benefit is paid and what may be excluded. Please read this document carefully and refer to it should you need to make an LTD claim. In addition, please click on LTD Eligibility Amendment that includes additional information regarding pre-existing conditions.

Garnett-Powers & Associates, Inc. is pleased to offer a Northwestern University Postdoctoral Program Customer Service Representative, dedicated to this program. Please address benefit and enrollment questions to:

Garnett-Powers & Associates, Inc.
23361 Madero, Suite 240
Mission Viejo, CA 92691
Or call us Monday - Friday, 8 am - 5 pm Pacific Time
Toll free at 1-800-319-9557

Contact Northwestern Postdoc Program Services

We thank you for the opportunity to be of service to you and your family.

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Program and benefit information contained on this site has been deemed reliable, but can change without notice.

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