Am I required to enroll in the Long Term Disability plan?

No. However, if you think that enrolling in the LTD plan may be an option you will consider later, be aware of the following.

If you do not enroll during the 2017 Annual Enrollment Period, you cannot enroll until the 2018 Annual Enrollment Period, except in cases of a Special Qualifying Event. During the 2018 Annual Enrollment Period, you must answer questions about your health and submit Proof of Good Health to the disability vendor to be covered.

Here are two examples that will show you how 2017 will differ from future enrollment periods:

Example 1: Employee is currently pregnant and chooses both Short and Long Term Disability Insurance during the 2017 Annual Enrollment Period. She can enroll in both Short and Long Term Disability insurance. When her baby is born, she is eligible for Short Term Disability benefits, and, potentially Long Term Disability benefits should any complications arise.


Example 2: Employee waived coverage during the 2017 Annual Enrollment Period. She now wants to enroll during a future Annual Enrollment Period and is pregnant during the Annual Enrollment Period. She would need to submit an application to the disability vendor to be reviewed for medical Evidence of Insurability (EOI). A question on the EOI form is ‘Are you now pregnant?’ Since she would answer ‘yes’ to this question, her EOI would be denied and therefore she would not be allowed to enroll for either the Short Term or Long Term Disability coverage.

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