If you have an illness or injury that keeps you from working for a long period of time, you may be able to protect your finances with the help of Long Term Disability (LTD) benefits. LTD benefits provide income replacement when you are unable to work because of an illness or injury. In other words, you still receive a portion of your paycheck, even when you can’t work. LTD benefits usually take over when Short Term Disability benefits end.
| Monthly Benefit | 60% of your monthly pay to a maximum of $6,500/month |
| Elimination Period | 90 Days |
| Benefit Period | Benefits may be paid if you are unable to work, up to age 65. |
| Who pays for coverage? | You, if you choose to enroll |
| Eligibility | First day of the calendar month following date of hire and regularly scheduled to work 30 or more hours per week. Employees (and dependents) may opt in at any time subject to evidence of insurability submission and approval by carrier. Temporary employees are ineligible. |
If you are newly enrolling in long term disability benefits, you must complete an Evidence of Insurability (EOI) before Guardian will approve your enrollment.
Resources
Voluntary Long Term Disability Benefit Summary
Provider: Guardian
Plan ID# 386684
Phone: 800-541-7846