Comprehensive Long Term Disability (LTD)
Coordinator Manual

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

These instructions assist you with administration of the GIC's Long Term Disability program. This manual explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of any discrepancy between this manual and the contract, the terms of the contract apply. Complete details are in the certificate of insurance issued to each individual. If you have any questions about the content or procedures described within, please contact Unum.

LTD Contact Information

Policy Information
Long Term Disability Policy Number: 123741
Long Term Disability Policy Effective Date: July 1, 2007
(Be sure to include the above policy number on all correspondence relating to this coverage)

Ordering Supplies
Please contact Erin Gilmartin at 617-728-3445 or toll free at 1-800-343-7808 ext. 83445 or Jackie Steele at 617-
728-3410 or 800-343-7808 ext. 3410.

Claim Filing: Sherry Mowatt, Expanded Services Associate
Phone #: (877) 226-8620 Select Option 1
Fax #: (800) 447-2498

Brian Dyer, LTD Director
Phone #: (207) 575-5241
Toll free#: (877) 226-8620, select option 0, ext. 55241

Ongoing Claim Questions
Phone #: (877) 226-8620 Select Option 2
Fax #: (800) 447-2498

Account Service Questions and Supplies: Erin Gilmartin or Jackie Steele
Phone #: (617) 728-3445
Toll-free #: (800) 343-7808 ext. 83445


Mailing Address Unum
The Benefits Center
P.O. Box 100158, Columbia, SC 29202-3158
Commonwealth of Massachusetts Employees LTD Plan Website
Customer Service: Toll Free # (877) 226-8620

For claim appeals, please refer to the address provided on claim denial letter.

LTD Quick Facts

Policy Effective Date: July 1, 2007

Eligibility: All Actively at Work full-time and half-time Commonwealth of Massachusetts employees working in the United States of America who work at least 18 ¾ hours in a 37 ½ hour work week or 20 hours in a 40 hour work week and who have completed the waiting period required by the Employer. Seasonal workers are excluded from coverage, unless they are actively at work for 180 days of continuous employment or more. Dependents are not eligible.

Waiting Period: For employees in an eligible group on or before the Policy Effective Date: The lessor of two full calendar months or 60 Days of continuous active, full-time employment. For new employees entering an eligible group after the Policy Effective Date: The lessor of two full calendar months or 60 Days of continuous active, full-time employment.

Elimination Period: 90 Days

LTD Monthly Benefit: 50% of Monthly earnings to a maximum benefit of $10,000 per month subject to reduction by deductible sources of income or Disability Earnings.

Benefit Offsets: Benefits will be reduced by Social Security, Workers Compensation, Sick Leave, Salary Continuance, vacation, any Public Employee Retirement System Plan, or any State Teachers' Retirement System Plan.

Maximum Period Payable: