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Long Term Disability Insurance


Administered by The Prudential Insurance Company 

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). 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.

 

Enrollment

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.

 

Faculty & Exempt Employees

Faculty and exempt staff may choose from Plans AA, A, B, and C, which replace a percentage of your monthly income loss, to a maximum of $7,500.00 per month.

Plan AA replaces 70% of your pre-disability earnings to a maximum of $7,500 per month.
Plan A replaces 66 2/3% of your pre-disability earnings to a maximum of $7,500 per month.
Plan B replaces 63% of your pre-disability earnings to a maximum of $7,500 per month.
Plan C replaces 60% of your pre-disability earnings to a maximum of $7,500 per month.

Non-Exempt Employees
Non-exempt employees may choose from Plans 0, 1, 2, 3, and 4, which replace a percentage of your monthly income loss, to a maximum of $2,500.00 per month.

 

Plan 0 replaces 50% of your pre-disability earnings to a maximum of $2,500 per month.

Plan 1 replaces 60% of your pre-disability earnings to a maximum of $2,500 per month.

Plan 2 replaces 60% of your pre-disability earnings to a maximum of $2,500 per month and a Cost-of-Living Adjustment (COLA) benefit.

Plan 3 replaces 63% of your pre-disability earnings to a maximum of $2,500 per month.

Plan 4 replaces 63% of your pre-disability earnings to a maximum of $2,500 per month and a Cost-of-Living Adjustment (COLA) benefit.

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