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Long Term Disability (LTD) Benefits

An Overview of the Long Term Disability Program administered by Unum

Unum is the GIC’s Long Term Disability (LTD) Carrier. LTD insurance is an income replacement program that financially protects you and your family in the event you become disabled and are unable to perform the material and substantial duties of your job.

LTD Benefits

If you become ill, are in an accident, or have an injury and are unable to work, it is easy to fall behind on your rent or mortgage, car payment and other expenses. With less than 25% of U.S. residents having enough savings to cover six months or more of their regular expenses (Bankrate June 2015), enrolling in a salary replacement plan is an important benefit for you and your family.

If you are unable to work for 90 consecutive days due to illness or injury, this program provides income replacement. Benefits include:

  • A tax-free benefit of 55% of a participant’s gross monthly salary, up to a maximum benefit of $10,000 per month, up to the age of 65. If a participant is disabled on or after age 62, benefits may continue after age 65;
  • A benefit for partial disabilities;
  • A 36-month benefit for behavioral health disabilities;
  • A rehabilitation and return-to-work assistance benefit; and
  • A dependent care expense benefit.

Be sure to contact Unum within 90 days of your disability, even if you are still using vacation, sick time or workers’ compensation
benefits. Although LTD benefits are reduced by other income sources, such as Social Security disability, workers’ compensation, and accumulated sick leave and retirement benefits, you will still receive a benefit. The minimum LTD benefit is $100 or 10% of your gross monthly benefit amount, whichever is greater. You must notify the plan if you begin receiving other benefits.

Eligibility and Enrollment

Active state employees who are eligible for GIC health benefits are eligible for LTD.  

New State Employees

As a new state employee within 31 days of hire, eligible employees may enroll in LTD without providing evidence of good health.

Current State Employees

All eligible employees can apply for LTD coverage during Annual Enrollment, or at any time during the year.  You must provide evidence of good health for Unum's approval to enter the plan.

Please Contact Unum or see their website for additional information.

Additional Resources for Eligibility and Enrollment

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