Long Term Disability Insurance
Administered by The Hildreth Agency. Phone toll free at
1-800-874-0831
Long Term Disability (LTD) benefits provides you with loss of income protection if you become disabled from a sickness, pregnancy, or accidental bodily injury. Once your claim is approved, your benefits begin after you have been disabled for 120 consecutive days (known as the elimination period).
You may enroll in or cancel LTD at any time during the year. However, employees who enroll in the plan more than 31 days after their eligibility date are required to provide proof of good health that must be approved before coverage can begin. Employees may continue Long Term Disability insurance on an individual basis directly with the insurance company after termination of employment unless the employee retires.
Faculty & Exempt Employees
Faculty and exempt staff may choose from Plans AA, A, B, and C, which replace up to 70% of your monthly income loss to a maximum of $7,500.00 per month. Benefit payments will be reduced by the amount of other income benefits you receive while disabled, such as Workers' Compensation, Social Security, or any TN Consolidated Retirement System (TCRS) benefit.
- Handbook & Enrollment Form
- Statement of Health Form must also be completed if applying more than 31 days after eligiblity date
- Insurance Cancellation Request Form
Non-Exempt Employees
Non-exempt employees may choose from Plans 0, 1, 2, 3, and 4, which replace up to 63% of your monthly income loss, to a maximum of $2,500.00 per month. Benefit payments will be reduced by the amount of other income benefits you receive while disabled, such as Workers' Compensation, Social Security, or any TN Consolidated Retirement System (TCRS) benefit.
- Handbook & Enrollment Form
- Statement of Health Form must also be completed if applying more than 31 days after eligiblity date
- Insurance Cancellation Request Form
