Long-Term Disability (LTD) is another component of our income protection plan that provides income security for a disabling injury or illness that lasts more than 180 consecutive calendar days. This benefit is designed to protect your financial security if you become totally and permanently disabled.
You may be eligible for LTD, if you anticipate being out for more than 180 calendar days due to an injury or illness. If you have been approved for STD benefits, your STD application will serve as your LTD application. A claims representative will contact you if additional information is needed to process your claim. If you are not eligible for STD prior to the LTD benefit, you will need to complete a Long-Term Disability Claim Form.
To be approved for LTD benefits, you may need to provide additional information or current medical certification. To receive LTD benefits, you need to furnish any information requested by the claims representative in a timely manner. You may also want to check with the Social Security Administration to see if you qualify for Social Security Disability benefits. Other income sources such as Workers’ Compensation or Social Security could result in an offset in LTD benefits.