Long Term Disability (LTD)

Long Term Disability (LTD) is a mandatory benefit for career employees. This benefit protects an individual's income in the event of an illness or injury that prevents one from working. The LTD plan pays 66 2/3% of your basic monthly earnings, up to a maximum monthly benefit of $5,500. For example, an employee who earns $1,500 a month would be eligible for an LTD benefit of $1,000 a month, calculated as: 66 2/3% x $1,500 salary. The Commission pays 80% of the premium and the employees pay 20%.

Eligibility


To apply for LTD you must submit a claim for disability benefits by either calling the LTD carrier (CIGNA) or submitting a paper application. CIGNA LTD will determine whether you are eligible for benefits. This process takes anywhere from 6 to 8 weeks. To ensure that you continue to receive income, you should file your application after being disabled for 60 days. If you have been disabled or expect to be disabled for more than 120 days, you must apply for LTD. If you do not apply before 60 days have lapsed, you may not be eligible for other income programs such as the Sick Leave Bank or the Commission's Disability Pay program for work related injuries or illnesses.

Once you have been approved for LTD, you will no longer be able to use your accrued leave or the Sick Leave Bank. The Health and Benefits office will coordinated the start of your LTD payments with your department.