Disability and Life Insurance

Harvard offers disability benefits and life insurance to help you take care of yourself and provide for your family in the case of loss of income.

  • Some programs are provided at no cost, as long as you meet the eligibility criteria, while others are optional, with costs based your age and/or the amount of your coverage.
  • In addition, most employees are covered by workers’ compensation during their employment for work-related incidents causing injury or illness.

Coverage Options

Short Term Disability (STD)

Harvard provides eligible employees with STD benefits of up to 26 weeks in a 52-consecutive week period due to injury or illness. You do not need to enroll and there is no cost to you. Please refer to our STD Overview for more information.

Long-Term Disability (LTD)

LTD helps you replace your salary and protect your financial security if you are unable to work due to injury or illness for more than 180 calendar days. You must enroll in this benefit to be eligible to receive coverage. Please refer to our LTD Overview for more information.

Change to Harvard's Disability Insurance Carrier: Effective June 1, 2017, Harvard's carrier for STD and LTD changed to Liberty Life Assurance Company of Boston ("Liberty"). If you became disabled before June 1, 2017, your claim and benefits will continue to be handled through The Standard.

Life Insurance

Harvard provides eligible employees with free group term Basic Life Insurance coverage equal to one-half their annual base salary. You do not need to enroll in this coverage.

You may purchase additional optional group term Supplemental Life Insurance for greater coverage, and can elect from one to five times your salary (rounded to the nearest $1,000), up to a maximum of $1.25 million. You may enroll at any time with evidence of good health. If you enroll within 30 days of becoming eligible or marriage, you do not need to provide evidence of good health.

If you enroll in Supplemental Life Insurance, you and your spouse/domestic partner can access free will preparation and estate resolution/probate services. Call 800-821-6400; use group number 109929. (Provided through Hyatt Legal Plans)

You must designate a beneficiary for your life insurance coverage. In addition, you should review your beneficiaries and update to reflect any family or personal changes. 

For more information on life insurance, please review the Health & Welfare Summary Plan Description (SPD).

If you enroll in Supplemental Life Insurance, you may also elect Dependent Life Insurance for your spouse/domestic partner and/or children. Spouse/DP life insurance is available in the amounts of $25,000, $50,000, $75,000 and $100,000. No statement of health is required when enrolling for $25,000 or $50,000 during your first 30 days of eligibility. You can apply for higher amounts (or for lower amounts outside the 30-day window) with the Statement of Health to be completed by your spouse/DP; coverage is effective upon approval by MetLife.

Life Insurance for dependent children up to age 26 of $5,000 or $10,000 is available with no medical review and one monthly payment covers all your eligible children.

Harvard provides free Business Travel coverage if you die or are seriously injured or disabled as the result of an accident that occurs while you’re traveling on University business.

Long Term Care (LTC) Insurance

LTC insurance helps you and your family members pay for nursing or at-home care in case of chronic illness or physical or cognitive disability. Harvard provides access to group LTC insurance through Genworth Life Insurance Company. Other family members may also be eligible to apply for LTC. Please visit Genworth Life Insurance for full details (use Group ID: Harvard; Code: groupltc).

Workers’ Compensation

This state-mandated program provides temporary income in the event you experience a work-related injury or illness that prevents you from performing your job. No enrollment is necessary for this coverage. The third-party administrator is PMA Companies.  Please refer to our Workers’ Compensation Overview for more information.