LONG TERM DISABILITY INSURANCE (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 by The Hartford, 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. Contact Kathy Taylor for costs, enrollment and health questionnaire forms.
LTD Insurance for Non-Exempt Employees
Non-exempt employees may choose from Plans 1, 2, 3, and 4, which replace up to 60% of your monthly income loss, or plan 5 with 50% replacement, to a maximum of $2,000.00 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. View the Long Term Disability Handbook for NonExempt Employees.
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LTD Insurance for Faculty & Exempt Employees
Faculty and exempt staff may choose from Plans A, B, and C, which replace up to 66 2/3% of your monthly income loss to a maximum of $5,500.00 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). View the Long Term Disability Handbook for Faculty and Exempt Employees.
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