Long Term Disability
Long term disability is intended to offer financial protection of your income for a longer duration after you have exhausted your sick leave that you have accrued.
- Employees who are newly eligible for this benefit will not need to complete a medical Evidence of Insurability-EOI.
- Employees who did not enroll in LTD when it was initially offered at date of hire, you must wait until the next open enrollment period, and you will be required to complete an EOI.
- Election of this benefit does not guarantee coverage. Coverage will be pending EOI approval from The Hartford.
Monthly Benefit is 60% of pre-disability earnings up to a Max of $8,000
Elimination Period: Option of:
7 days sickness & 0 days accident
14 days sickness & accident
30 days sickness & accident
60 days sickness & accident
90 days sickness & accident
180 days sickness & accident
Benefits Duration Period: SSNRA (Social Security Normal Retirement Age)
Pre-Existing Condition: 6/12
Monthly Premiums: See bswift online enrollment
Plan Documents/ Resources
- Hartford Long Term Disability Certificate Booklet
- Hartford Long Term Disability Evidence of Insurability Form
- 2021 Hartford Long Term Disability Rate Sheet
- 2021 Hartford Long Term Disability Highlight Sheet
- Hartford LTD Claim Form