Long Term Disability

Coverage Information

  BASIC
(City-Paid)
BUY-UP
(Employee-Paid)
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.

MetLife Long Term Disability Buy-Up Rates

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.

Hartford Long Term Disability Coverage Booklet

Hartford Long Term Disability Buy-Up Rates

 

When and how do I file an LTD claim?

Because The Hartford is not the City's short term disability carrier, they will need to collect from you full information about your condition.  It is recommended that you begin the claim process half way through your waiting period (45 days if you have the 90-day Buy Up waiting period or 3 months if you have the 6-month Basic LTD waiting period.)  The claim form and instructions about completing the form are posted on the Forms page.

 

NOTE: Short Term Disability (STD) As of July 1, 2009, the City no longer provides STD coverage. Employees have the option of purchasing it through Colonial. For information, call Colonial at 888-433-8144 (policy information) or 800-325-4368 (claims).