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Voluntary Long-Term Disability (LTD) insurance, administered by Unum, provides financial protection for full-time, benefits-eligible employees by paying a percentage of monthly earnings should a covered disability occur.

Why should I enroll in a long-term disability?

If you become disabled because of accident, injury or illness, long-term disability insurance can pay up to 50% to 60% of your salary to a maximum of $6,000 per month while you are disabled and cannot work. 

How much is the premium for both the 50% and 60% LTD benefit?

Long-term disability premiums are deducted from your pay on the first paycheck of each month only. Unum has provided two flyers, one for 50% benefit (PDF) and the other for 60% benefit (PDF). These flyers provide important FAQs in addition to the applied rates and calculation methods.  

How do I enroll in long-term disability?

To enroll in the LTD coverage, please complete the LTD Enrollment form (PDF) and return it to Employee Benefits department in Heer Hall, Kent Campus or email it to BENEFITS@KENT.EDU.  Please note:  if you are a new employee, you have 31 days from and including your hire date to enroll without completing EOI - Evidence of Insurability.  If the new hire deadline of 31 days has passed, enrollment for the LTD will need to be completed during our annual open enrollment period or due to a qualifying event.  Doing so will require completing the EOI - Evidence of Insurability. 

How do I complete the EOI - Evidence of Insurability?

Visit and enter your Kent State access code:  ASFLKGE then you can begin creating a profile that Unum will need to complete your request.  Once the questionnaire is completed online, you can also submit it online directly to Unum's team.  Kent State does not have access to your answers on the insurability questionnaire.  Determination of eligibility comes from Unum.  You can also call Unum directly at 1-800-421-0344.

How can I learn more about Unum and long-term disability?

Feel free to view Unum's video, , and visit .  Also, watch for more information in your emails or regular mailings from University Benefits.

LTD Enrollment Form (PDF)

Unum Plan Booklet (PDF)

Unum Infographic Flyer (PDF)

��ɫapp provides the following optional benefits to full-time faculty and staff.

• Voluntary Accidental Death and Dismemberment Insurance
• Voluntary Group Term Life 
• Voluntary Indemnity Plans
• Voluntary Long-Term Care Insurance
• Voluntary Long-Term Disability Insurance
• Voluntary Whole Life Insurance

In life, you face a whole range of everyday issues and questions. While managing your work, personal and family needs can sometimes feel overwhelming. That's why ��ɫapp provides the Employee Assistance and Work/Life program through IMPACT Solutions.

The IMPACT program can assist with problems such as stress, anxiety, depression, child and eldercare needs, marital concerns or substance abuse. They can also provide assistance for financial, legal or identity theft issues. All resources are available 24 hours a day, 365 days a year. IMPACT services are confidential and provided by credentialed professionals. All employees, household members, dependents in and away from home, and parents/parents-in-law are eligible to use any of the IMPACT services.

IMPACT provides up to six confidential counseling sessions, at no cost. If treatment or services needed go beyond the six sessions, IMPACT will make every effort to transition the client to a provider that participates in their network.  Many services can now be offered through telemental health, which provides additional convenience and flexibility to busy schedules as well as eliminates travel barriers. There are no limitations to telephonic or online resources provided by IMPACT or its comprehensive work/life website. 

For immediate assistance you can reach IMPACT directly at 1-800-227-6007 24 hours a day, 365 days a year.

To complete an online request for counseling or for work-life resources and referrals (legal/financial, child/elder care, mindfulness coaching and more), visit , and select "Request Counseling" or "Request Work/Life Resources" at the top of the page.

IMPACT Solutions provides MyLifeExpert work/life website which gives you access to thousands of up-to-date topic related articles, videos, podcasts, calculators and webinars. To access these resources and more, visit and select “Member Portal and App” at the top of the page and enter your username and password.

First time users will need to create a new account. 

1. On the next page, click the green “SIGN UP” button next to “Create a new account with your company code” 
2. Enter company code: kenteap 
3. Enter your email address 
4. Select a username that you will remember 
5. Click “SUBMIT” 
6. Once submitted you'll receive an email from info@mylifeexpert.com with your Access Code to activate your account 
7. Retrieve the code from your email and return to your browser to enter it 
8. Create your password 
9. Once your password is confirmed, you will be prompted to login with the username and password your created 

Have you met TESS? TESS is IMPACT’s artificial intelligence chatbot. TESS provides users with psychological and emotional support and improves mental health and well-being. TESS, like all IMPACT services, is available to all Kent State full- and part-time faculty and staff and their qualifying dependents. To learn more about TESS, click here or visit the .