Texas Tech University Health Sciences Center
Do students have long term disability insurance?

Do students have long term disability insurance?

Did you know that if you become disabled while attending school, you are covered under long term disability (LTD) insurance? As part of your tuition, a premium of $40 per year is paid, so YOU ARE COVERED.


Here is what you need to know:

Who is covered? All full-time SOM students who are enrolled and in good standing.
What is the definition of disability under the policy? You are considered disabled if, as a result of a sickness, accidental bodily injury, or pregnancy, you are unable to perform the duties of, and fulfill the necessary requirements to maintain your status as, a full time medical student at TTUHSC SOM.
When do LTD benefits start? Benefits begin after 180 days of continuous disability.
What are the benefits paid by the policy? Monthly payment equals the maximum LTD benefit1 reduced by income from other sources2.

1Maximum LTD benefit:

Year 1 and Year 2 students – $500/month
Year 3 and Year 4 students – $ 1,300/month

2Income from other sources:

Unfortunately, there are multiple answers to this question. Contact Dr. Cobbs for specific information.

How long do disability payments continue? Up to age 65.
What is not covered by the LTD policy?
  • War
  • Intentionally self-inflicted injury
When does LTD coverage end? Coverage ends on the date a student is no longer enrolled as a full-time student in good standing with the SOM. (*Exception: coverage continues during the first 30 days of an approved leave of absence from the SOM.)

If you have more questions about long term disability insurance through the SOM, contact Dr. Cobbs at lauren.cobbs@ttuhsc.edu or 806-743-3005.