Can I enroll for both Short Term Disability and Long Term Disability? How does this work?

Yes, you may enroll in either Short Term Disability (STD) insurance and/or Long Term Disability (LTD) insurance. Your LTD benefits, if enrolled, begin after your STD benefits have been exhausted and your LTD Elimination Period is satisfied. The disability insurance carrier will work with you when and if you need to transition from STD to LTD.

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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