What is my Long Term Disability benefit, and what amount will I receive?

There are four benefit options from which to choose: 

·       Option 1: Pays 60% of your Pre-Disability Salary up to a maximum of $7,500 per month with an Elimination Period of 90 days.

·       Option 2: Pays 60% of your Pre-Disability Salary, up to a maximum of $7,500 per month with an Elimination Period of 180 days.

·       Option 3: Pays 63% of your Pre-Disability Salary up to a maximum of $10,000 per month with an Elimination Period of 90 days.

·       Option 4: Pays 63% of your Pre-Disability Salary up to a maximum of $10,000 per month with an Elimination Period of 180 days.

Example: A person’s Pre-Disability Salary equal $60,000. Divide by 12 (months) and then multiply by the benefit percentage you choose, either 60% or 63%, to find out your monthly benefit amount. 

$60,000 / 12 x .60 = $3,000.00 per month of LTD benefit

     Or

$60,000 / 12 x .63 = $3,150.00 per month of LTD benefit

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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