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Apply Long-Term Disability coverage continues part of your pay if you become permanently or temporarily unable to work due to an illness or injury that occurred on or off the job. Payments begin after you have been disabled for 90 days. You pay the cost for these plans if you elect the coverage.
Contact: New York Life at 800-362-4462 or visit online
When can I enroll?
You can enroll in the Long Term Disability plan during your first 31 days of employment or subsequently during an Annual Enrollment period. Evidence of good health is not required to enroll in LTD.
What is “Disability”?
You are considered disabled if you are unable to perform one or more of the essential duties of your job due to sickness or injury and you are earning 80% or less of the amount (adjusted for inflation) you were earning before you became disabled due to that sickness or injury. This definition of disability applies during the 90-day waiting period and the next 60 months of disability. You are still considered disabled after this 60-month period if you cannot perform one or more of the essential duties of any gainful occupation for which you are reasonably qualified by training, education or experience. A gainful occupation is one that can be expected to provide you an income of at least 65% of your pre-disability income adjusted for inflation, or $8,000, if less, within 12 months of your return to work.
What is the benefit amount?
The Long Term Disability benefit replaces 65% of your gross monthly earnings, less income you may receive from certain other sources (e.g., Social Security, Workers’ Compensation, etc.). The maximum monthly benefit is $8,000. There is also a minimum monthly benefit of $100 or 10% of your monthly benefit, whichever is greater. So even if you are receiving sick leave pay, you can receive some benefit from Long-Term Disability.