Long-Term Disability ("LTD") benefits are payments to an individual to replace lost income in the event of an injury or sickness resulting in an inability to work. Unlike Workers' Compensation benefits, State Disability benefits, or Social Security Disability Income benefits, LTD benefits are not required by law, nor are they provided by the government.

For classified employees, CNA will pay 60% of gross monthly salary. If disability is catastrophic there is an additional 10% given. For faculty members enrolled under TIAA, the plans have a 90 or 180 day elimination period before benefits are payable. The employee will receive 60% of monthly salary with offsets for most employer related benefits.

Long term disability coverage provides wage replacement to individuals who experience wage loss due to a disability. LTD coverage lasts for at least one year.

Long Term Disability (or Permanent Health Insurances) covers loss of income if you are unable to work through illness or injury. The amount payable depends on what you were previously earning. Consult a broker.

Policy provisions vary, as do the premiums depending upon which provisions you choose. Generally the policy will specify a maximum period of time it will pay for a covered disability. Typical policy terms are for two years, five years, or to age 65. If during that time you recover from the disability and return to work, the policy will provide that a new disability will start a new benefit period.

These two types of insurance policies differ most in terms of the length of the elimination (waiting) period, the length of the maximum benefit period, coordination of the benefits payable under the policy with benefits payable under social insurance programs such as Social Security and Workers' Compensation, and the legal definition of disability in the contract language.

If you can only purchase one type of disability coverage, it would be wise to purchase LTD to cover what could be the greater risk to your financial security. LTD insurance protects the insured against disabilities that may last many years, or even a lifetime, and therefore protects you against potentially catastrophic losses. Statistically, long-term disabilities happen less frequently than short term disabilities.

If your dependent child is between the ages of 19-23 and a full-time student, he/she may remain on your plan. The only way this can be done is by providing a letter of student verification from the institution they are attending. All members with dependent children between 19-23 will receive a letter from Northern New England Benefit Trust outlining the rules and what process must be followed. See the Eligibility Section of your Summary Plan Description.

The university cost shown on the statement is the projected annual cost incurred to provide you with Long-Term Disability insurance through Reliance Standard Life Insurance Company. Benefits are not automatic. Employees must apply and be approved for benefits.

If you reduce work hours due to a disability and the appropriate provision is included in your policy, you may be eligible to receive partial benefits. Check the summary plan description for details. Also, you may want to consider consulting a benefits planner about State Disability Insurance (SDI) or Social Security disability programs such as Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). Copyright © 2007 World Institute on Disability.

Long Term Disability (LTD) is an employee-paid benefit program designed to provide income replacement in the event you become disabled due to an illness or injury and cannot perform the duties of your normal job, or maybe any job, for a long period of time (6 months or longer).

After you have fulfilled a 7 calendar day waiting period, you may be on approved short-term disability for a maximum of 125 work days.

Once you are approved for Long-Term Disability by Unum, the third party administrator of VSDP, you are no longer considered an active employee of the Commonwealth of Virginia . TCC may recruit and fill your pre-disability position. You still qualify to continue in the state's retiree health insurance program, keep your group life insurance coverage, and to earn VRS service credit.

Long term disability coverage can be obtained either by a group or individually. Group coverage can be offered through an employer, professional group or association. Individual coverage can be purchased directly from an insurance broker based upon medical underwriting. Individual policies are usually available if you have not had any medical treatment during the past 10 years for a potentially disabling medical condition.

You may be eligible after you have used all of your university sick days and are still considered unable to work as documented by your physician.

No. TDI payments are for non-work related injuries or illnesses. Workers' compensation payments are for work-related injuries.

Yes.  Eligibility for temporary disability benefits due to pregnancy is determined in the same manner as for any other disability.  You must meet the wage requirements and your physician must certify that you are disabled.  For more information, see our web page entitled Pregnancy.

Long Term Disability (LTD) is income protection insurance for excluded employees who can't work due to a serious injury or illness. The Long-Term Care (LTC) Program, offered by CalPERS, provides coverage for employees who need extended care due to a chronic disease, frailty of old age, or serious accident. It covers help with activities of daily living such as bathing, eating and dressing. For information about the CalPERS LTC Program, please visit their website at www.calpers.ca.gov.

Are you an employee or a medical school faculty member? The employee’s policy has a 90 day elimination period. Medical school faculty has a 90 or 180 day elimination period depending upon which plan he/she has.