Long-Term Disability.
Income protection when you need it. If a serious illness or injury keeps you from working, LTD helps replace a portion of your income.
How It Works
Long-term disability insurance provides income replacement if you become unable to work due to illness or injury.
Salary Replacement
60%
of your pre-disability earnings, up to a maximum monthly benefit.
Elimination Period
90 Days
waiting period before LTD benefits begin. Use sick leave and short-term disability during this time.
Benefit Duration
Age 65
or Social Security Normal Retirement Age, whichever comes first.
What Qualifies as Disability?
First 24 Months
You are considered disabled if you cannot perform the material duties of your own occupation due to illness or injury.
After 24 Months
You are considered disabled if you cannot perform any occupation for which you are reasonably qualified by education, training, or experience.
Frequently Asked Questions
Acme Corp pays the full cost of your basic LTD coverage. Because it's employer-paid, benefits received are taxable income.
During the elimination period, you can use accrued sick leave, vacation time, or short-term disability benefits if available.
Yes, you may be able to receive partial benefits if you can work part-time but not full-time. Your benefit would be reduced by a portion of your earnings.