Disability insurance pays you part of your income if you can't work due to a qualifying disability. Your employer provides you with a basic level of coverage. Will that be enough for you? Think about your ongoing expenses and how much income you'll need to maintain your lifestyle if you can't work.
You can enroll in Supplemental LTD Insurance coverage to protect more of your paycheck. Supplemental LTD Insurance replaces even more of your income than Basic LTD Insurance, when you can't work because of a qualifying disability (such as an injury, disease, or pregnancy).
Eligible employees can apply for Supplemental LTD Insurance through the School Employees Benefits Board (SEBB) Program without answering health questions or having a medical exam (also known as providing evidence of insurability).
For questions, contact your payroll or benefits office.
- Long Term Disability Video
- Decision Support Tool
- Why Disability Flyer
- LTD Coverage Highlights
- LTD FAQ
- LTD Claim Packet
- LTD Plan Booklet