What is Long Term Disability (LTD) insurance?

Long Term Disability Insurance replaces a percentage of your income during a disability that lasts for an extended period of time, typically longer than 90 or 180 days, depending on which plan you choose.

Please note that the following Long Term Disability Insurance (LTD) FAQs are for State employees only. 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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