Is Disability Insurance right for me?

Disability insurance might be right for you if you:

·       Have little or no annual or sick leave saved up

·       Don’t have much in the way of savings or an emergency fund

·       Take part in high-risk activities, for example sky diving, etc.

The State of TN does not offer Long Term Disability Insurance to Higher Education employees. If you are a Higher Education employee, direct questions on LTD to your Agency Benefits Coordinator.   

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