Comprehensive Long Term Disability (LTD)
Coordinator Manual

The LTD Coordinator Manual is available on this website by selecting one of the sections.

LTD Contact Information
LTD Quick Facts
Frequently asked Questions and Plan Provisions
Enrollment Procedures
New Hires
Late Enrollment Procedures - After 31 days of becoming eligible
Can An "Open Enrollment" Be Conducted?
Can An Employee Enroll After He/She Waives Coverage?
What If The Employee Is Not "Actively At Work" On His/Her Effective Date?
Will An Enrolled Employee Receive A Certificate?
When Does An Employee's Coverage End?
Who Pays The Premium?
How Is Monthly Premium Calculated?
Is Premium Payable For Disabled Employees?
Claim Filing Procedures
Claims to File Early - Early Intervention
Filing a Claim
Claim Processing
Appeal Procedure
How Do I Order Supplies?

LTD Brochure (you may also order these)