If you remain unable to work after your short-term disability coverage ends, and you are enrolled in associate-paid long-term disability (LTD), you may be eligible for long-term disability benefits.

How LTD works

You’ll receive 60% of your base pay and bonus up to a maximum of $25,000 per month.

The duration of your LTD benefit depends on your age when benefits begin. If you are under age 65 when LTD benefits begin, benefits continue to your Social Security normal retirement age (SSNRA) as long as you remain totally disabled.

Benefits for mental or nervous conditions are limited to two years.

You can enroll in LTD when you first become eligible for benefits or during a subsequent Open Enrollment period. You may also be able to enroll if you have a status change event like a marriage or divorce, a birth or adoption, or a change in your employment that affects benefits coverage.