Help protect
the Scarlet legacy
you've built

with life and long term disability insurance.

Long Term Disability Insurance

Help protect your income from illness or injury

You've worked hard to build a life for yourself and your family. Help protect what you've earned with Long Term Disability (LTD) insurance. LTD coverage provides a monthly benefit if you become disabled due to a covered accident or illness, helping you manage expenses while you focus on recovery.

Plan features

  • Competitive, group-negotiated rates—up to $5,000 in monthly coverage available
  • Easy online application with just a few questions
  • Uninterrupted coverage no matter where your career takes you, as long as you're a Rutgers alum
  • Choose from a 60-day or 90-day waiting period before you start receiving benefits

Curious about rates?

Get a quote

Ready to get covered?

Apply today

Key disability insurance terms explained

Eligibility

All Rutgers alumni who are less than age 60 and working a normal full-time work week are eligible to apply for Long Term Disability Insurance.

Alumni coverage amounts

From $1,000 to a maximum of $5,000, in $500 increments. Not to exceed 50% of monthly earnings when combined with benefits from any other disability insurance program.

Disability

First 24 months: You are unable to perform the duties of your regular occupation, you are under the care of a doctor, and you incur a loss of income of 20% or more.

After 24 months: You are unable to perform the duties of any occupation for which you are reasonably suited by education, training, or experience; and you are under the care of a doctor.

Full-time work

To qualify for disability insurance, you need to be performing regular job duties for pay or profit for at least 30 hours a week, either at the regular workplace or at another location that requires travel.

Elimination period

The time between when you become disabled and file a claim and when your benefits begin being paid out to you. You have the option of choosing either a 60- or 90-day elimination period.

This exclusive insurance plan is available to alumni providing affordable coverage options designed to help protect the life you've built since graduating.

Coverage is offered by The Prudential Insurance Company of America—a trusted name in insurance for over 150 years.