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Long-Term Disability (LTD) Insurance

The optional Long-Term Disability (LTD) benefit provides partial income protection if you are disabled beyond the 26 weeks covered by short-term disability.

The benefit provides you with 50% of your earnings, up to a maximum of $5,000/month, and continues until you are no longer disabled or until you reach normal retirement age, whichever comes first.

If you elect LTD at any time other than when first eligible, our insurer will send you information about completing an evidence of insurability application. If your request is approved, coverage will begin on the date of approval.

Important Information


If you elect LTD and are approved, the coverage may begin only while you are an active employee. If you are not actively at work at the time coverage would normally start, the effective date will be delayed until you return to active work status. 
 

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