Disability Income Protection Plans

Disability Income Plan of North Carolina

This program is sponsored by the State of North Carolina and governed by the Department of the State Treasurer. The Disability Income Plan of North Carolina (DIP-NC) provides benefits to eligible employees who become continuously unable to perform the duties of their usual occupation due to a mental or physical incapacity while actively employed. The DIP-NC program is provided at no cost to eligible employees. The University pays the full cost of this program.

All permanent full-time employees who work 30 or more hours per week will automatically be enrolled in this program. You are covered under the Short-Term Disability plan after one year of membership service in the Teachers’ and State Employees’ Retirement System (TSERS) or participation in the Optional Retirement Program (ORP). You are covered under the Long Term Disability plan after five years of participation in TSERS or the ORP.For additional information, please read the Disability Income Plan of North Carolina Handbook.

You can elect supplemental disability benefits from either Lincoln Financial (for TSERS participants) or from The Standard (for ORP participants) to bridge the income gap and provide additional benefits. 

Short-Term Disability - Sponsored State Plan 

Income benefits are equal to 50 percent of your annual base rate of compensation up to a maximum of $3,000 a month. Short-Term Disability is payable for a period not to exceed 365 days. There is a 60-day waiting period before benefits become payable. For additional information, please refer to the Teachers and State Employees Retirement System Handbook.

Long-Term Disability - Sponsored State Plan 

Income benefits are equal to 65 percent of your annual base rate of compensation up to a maximum of $3,900 a month. If approved, the benefit continues as long as you remain permanently disabled and until you qualify for an unreduced service retirement. For additional information, please refer to the Teachers and State Employees Retirement System Handbook.

The Standard Disability Plan (ORP Participants)

This is a voluntary supplemental disability plan underwritten by The Standard and designed exclusively for participants of the University of North Carolina Optional Retirement Program.

Rates are determined by the employee’s annual income and monthly benefit amount. Use the Lincoln Financial Premium Calculator to help you calculate your premiums. For additional information, please refer to the Income Protection Information from the UNC System Office.

The Standard Resources 

Lincoln Financial Supplemental Disability Plan (TSERS Members)

This is a voluntary supplemental disability plan underwritten by Liberty Life Assurance Company of Boston, a member of the Liberty Mutual Group, designed exclusively for University employees who are members of the North Carolina Teachers' and State Employees' Retirement System (TSERS). 

Rates are determined by the employee’s annual income and monthly benefit amount. Use the Lincoln Financial Premium Calculator to help you calculate your premiums. For additional information, please refer to the Income Protection Information from the UNC System Office.

Lincoln Financial Resources