|COVERAGE||60% base salary||60% base salary|
|MAX MONTHLY BENEFIT||$4,000||$6,000|
|ELIMINATION PERIOD*||6 months||90 days|
|MAX COVERAGE PERIOD||5 years**||Till age 65***|
* You must exhaust all accrued time off before the policy will pay benefits
** Maximum Coverage Period varies if disability begins after you turn age 61
*** Maximum Coverage Period varies if disability begins after you turn age 62
- Disability insurance provides a portion of income replacement to you if you have a qualifying disability
- Benefits are reduced if you or your family receive disability retirement, Worker's Compensation or Social Security as a result of your disability
- Limitations exist for pre-existing conditions and disabilities due to mental illness or substance abuse; for information, please contact the insurance carrier
MetLife is the City's Long Term Disability carrier for disabilities that began July 1, 2015 or later.
Questions? Call MetLife Disability Call Center: 1-800-638-2242
The Hartford is the City's Long Term Disability carrier for disabilities that began between July 1, 2009 and June 30, 2015.
When and how do I file an LTD claim?
If you expect to be absent from work for at least 90 days (if you have the Buy-Up) or at least 3 months (if you have the Basic coverage), we recommend that you file your claim half way through your waiting period (45 days if you have the Buy-Up or 3 months if you have the Basic LTD coverage.) The claim form and instructions about completing the form are posted on the Forms page.
NOTE: Employees have the option to purchase Short Term Disability through Colonial. For information, call Colonial at 888-433-8144 (policy information) or 800-325-4368 (claims).