Long Term Disability Insurance
Administered by The Prudential Insurance Company until December 31, 2017
Administered by Lincoln Financial Group, effective January 1, 2018
REFERENCE ID: UOFTENN2
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.
You may enroll in LTD as a new hire and during Annual/Open Enrollment only. You may cancel LTD at any time during the year. Please review the Summary of Benefits concerning pre-existing conditions.