City of Memphis - Long Term Disability Insurance

Long Term Disability (LTD) insurance is designed to pay a monthly benefit to you in the event you cannot work for at least 180 days because of a covered illness or injury. This LTD benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need.

To review eligibility requirements and for answers to commonly asked questions, costs, exclusions, limitations and reductions, please refer to the LTD Benefits at a Glance and the LTD Certificate of Insurance.

Disability Facts: Did you know?

  • Just over 1 in 4 of today's 20 year-olds will become disabled before they retire.1
  • 67% of wage earners said their income is one of the three most important things in life, second only to health (based on a list of choices).2
  • 57% of workers surveyed said they only had enough money to pay for 6 months or less of bills.3

 

 
 
 
 

1 U.S. Social Security Administration, Basic Facts, April 4, 2014

2 America's Income Protection Picture, 2014 Disability Awareness Study, Council for Disability Awareness.

3 America's Income Protection Picture, 2014 Disability Awareness Study, Council for Disability Awareness.