Insurance and Disability

Group Life Insurance

Fairleigh Dickinson University pays the full cost of a term life insurance policy equivalent to one time your annual salary to a maximum of $50,000.

All full-time, active, regular employees are eligible the first of the month following thirty days of full time service.

Temporary Disability

The University offers Temporary Disability Benefits through the Guardian Insurance Company.

All employees are insured on the 1st day of employment.

Employees

The weekly benefit rate is 2/3rds of your average weekly wage subject to the annual maximum declared by the State of New Jersey every calendar year.

Benefits are paid beginning on the 8th calendar day. If your disability continues for more than 21 days, benefits will be paid to you retroactive back to the first day of your disability.

Employees must authorize any supplemental pay from FDU while on Temporary Disability Leave. Please contact the Office of Employee Benefits for further details.

Faculty

A full time faculty members in their 2nd year of service or more are entitled to receive 100% of base pay for the first four (4) months of disability; 80% of base pay for the next two (2) months.

The payments you will receive will be made up of two elements;

  1. Temporary Disability Benefits from Guardian Insurance Company
  2. Payment from University Payroll Department

To file a claim or additional information please visit our FMLASource site.

Long Term Disability

The University offers a Long Term Disability benefit to all full time, active, regular employees. Employees would be eligible to apply if still deemed disabled by a physician at the completion of the 26 consecutive weeks of short term disability.

The long term disability benefit is 60% of monthly salary to a maximum of $15,000 per month.

Guardian Group Plan Insurance Benefits

Supplemental Life Insurance

The University offers group supplemental life insurance currently offered through Guardian. All regular full-time employees, are eligible to enroll in supplemental term life insurance (for themselves and dependants) within the first 30 days of employment. Proof of good health may be waived (for employees only) who enroll within the first 30 days of employment. If employees enroll after the first 30 days of employment, he/she must complete a proof of good health form.  

This is a voluntary benefit that is paid entirely by the employee. The premium amounts vary and are based on the amount of Insurance purchased and the employee’s age. Please contact the benefits department if you wish to enroll.

Long Term Care

Long Term Care insurance can help preserve assets by providing coverage for long term care needs. Without it, the financial and emotional implications of providing care can be devastating.

Long Term Care insurance offers a variety of options such as coverage for rehabilitative services, assisted living, or home care. Long Term Care insurance can pay a benefit for care received that might not be covered by other types of insurance.

Regular active employees working 20 or more hours per week are eligible to apply for this insurance) within the first 60 days of employment.  Proof of good health may be waived (for employees only) who enroll within the first 60 days of employment.  If employees enroll after the first 60 days of employment, he/she must complete a proof of good health form. 

Spouses, parents, parents-in-law, grandparents, grandparents-in-law, siblings and adult children may also purchase coverage with completion of proof of good health.

Facility Monthly Benefit Amount of $1,000 to $6,000 per month in $1,000 increments, with a benefit duration of 3 or 6 years. Professional Home Care is covered at 100% of the Long Term Care facility benefit.  The plan includes the options of: Accelerated Payment and 5% compounded inflation protection .  An elimination period of 90 day applies. 

For more information please visit Long Term Care Application.