Are there any income sources I might receive while I am disabled which will NOT reduce my Long Term Disability Benefit?

Yes. The following income sources will not reduce your Disability benefit:
• Cost of living adjustments that are paid under any above sources of other income
• Early retirement benefits that have not been voluntarily taken by you
• Veteran’s benefits
• Individual disability income insurance policies
• Benefits received from an accelerated death benefit payment
This above list is not all-inclusive. Please read your Long Term Disability certificate for the full legal details.

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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