Events that Affect Participation

It is important that you understand how your retirement benefits are affected if you become totally disabled, take a leave of absence, leave the University, or die before you begin to receive retirement benefits.

If You Become Totally Disabled

If you should become totally disabled, you will be eligible for a waiver of your required contributions to this plan. Your disability insurance, in effect, pays your required contributions and the University’s contributions. This benefit will continue until you recover or die, or until your disability benefits end.

The University pays the entire cost of this protection for you.

If You Take a Leave of Absence

If you are granted a leave of absence at full pay, the University’s and your normal contributions to the plan will continue. If you are granted a leave of absence at partial pay, the University’s and your contributions will be based on your reduced base salary.

Your contributions will stop if you are granted an unpaid leave of absence. However, they will start again, automatically, with the first paycheck you receive when you return.

If you are granted a military leave of absence, the University will, upon your return (while you are protected by veterans’ reemployment laws), contribute to the plan an amount representing the contributions that would normally have been made during your military leave, provided you make the required employee contributions.

Remember, if you leave work for any reason for a prolonged period of time, you should always contact Human Resources to ask what effect your absence may have on this and other University-sponsored benefits plans.