All regular full-time eligible employees are covered under a group Long-Term Disability Insurance (LTD) after six months of employment. The LTD Insurance is provided by Lincoln Financial Group. ECU pays the monthly premium for the LTD Insurance. If the employee becomes disabled during the employment, the monthly benefit from LTD insurance is 60% of the insured employee's monthly salary, not to exceed a maximum of $6,000 per month. The employee must submit appropriate papers to Lincoln Financial Group and a disability approval must be received before any benefits are provided. Benefits are integrated with other benefits, if any, and the elimination period after the occurrence of disability is six months. The employee at the time of employment or upon request and approval may purchase a three-month "buy-down" in order to allow approved benefits to be provided after only three months of disability. The LTD application is available in ECU's Employment Services Office.