If you are a state employee enrolled in the Long Term Disability program and become ill or injured and unable to perform your job, do not wait until the 90-day elimination period has elapsed to file your claim. By starting the claims process early, you will avoid gaps in pay and maximize your benefits. To start your claim, call Unum, the LTD carrier, at 1-877-226-8620 ext. 1 and request a claim submission packet. Be sure to complete the paperwork completely and accurately so that your claim can be expedited.
For most illnesses and injuries, we recommend that you start the claims process approximately 45 days into your leave from work. However, if you have one of the following conditions, begin the claims process as soon as possible after you stop working:
- Chronic fatigue/Epstein Barr Syndrome
- Mental/Psychiatric Disorders
- Multiple Sclerosis
- Systemic Lupus Erythematous (SLE)
- Cardiovascular Conditions
- Back pain that may lead to surgery
- Repetitive Motion Injuries (e.g. Carpal Tunnel Syndrome)
After the 90-day elimination period, all LTD participants are eligible for the minimum benefit of $100 or 10% of your gross monthly benefit, whichever is greater, even if you are using sick time. Once you stop using sick time, this benefit will increase. By filing early, you will also have access to resources, such as Vocational Rehabilitation Counselors, that can help you return to a productive lifestyle.
This information provided by the Group Insurance Commission.