Long Term Disability (LTD) insurance is designed to pay a monthly benefit to you in the event you cannot work 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.
You are eligible if you are a regular employee of Multnomah County, actively working at least 20 hours each week. Some classifications are excluded, such as employees who are on-call, elected officials, temporary (other than temporary management group), interns seasonal employees, independent contractors, and others.
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
Please review the Benefits at a Glance (employer paid coverage) and Long Term Disability Certificate of Insurance below for answers to commonly asked questions, costs, exclusions, limitations and reductions
Long Term Disability Benefits at a Glance - Class 1
Long Term Disability Benefits at a Glance - Class 2
Group LTD Insurance Certificate
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.
This product has exclusions, limitations, reductions of benefits and terms under which it may be continued in force or terminated. Please review the Benefits at a Glance (employer paid coverage) for additional information, including costs and complete details of coverage.
