Short term disability is required by New York State (NYS) and is provided to all individuals at no cost, effective on their hire date. NYS disability coverage provides 50% of your salary to a maximum of $170/week.

All individuals also have the opportunity to purchase additional disability income coverage for an off-the-job accident or sickness, as a supplement to New York State disability.

All individuals who become eligible for the employer contribution into the Retirement Plan also receive Long Term Disability (LTD) Insurance at no cost. This insurance becomes effective when the participant becomes totally disabled for a continuous period of 180 days, and will pay 60% of the individual's base monthly earnings to a maximum of $10,000 per month. The waiting period is waived if upon hire the individual has a previous TIAA-CREF account with employer contributions.

Basic group term life insurance and accidental death and dismemberment (AD&D) insurance of $15,000 is provided at no cost to all individuals who hold a full-time appointment (37.5 hours per week or more). Coverage is effective on the first day of the month following date of hire or eligibility date.

The option to purchase supplemental life insurance coverage is available to eligible individuals. Up to five (5) times salary in increments of $10,000 may be purchased (not to exceed $500,000). If not purchased with initial eligibility you will be required to complete and provide an “Evidence of Insurability” form for underwriting review.

Optional spousal life and accidental death and dismemberment (AD&D) coverage is also available to eligible individuals. Up to 100% of employee amount in increments of $5,000 may be purchased (not to exceed $500,000).

In order to participate, the individual must elect supplemental life or AD&D coverage. If not purchased with initial eligibility you will be required to complete and provide an “Evidence of Insurability” form for underwriting review.

Optional child life insurance and accidental death and dismemberment (AD&D) coverage is also available to eligible individuals. Coverage amounts must be in $2,000 increments between $2,000 to $10,000. In order to participate, the individual must elect supplemental life or AD&D coverage.