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.
Please note that 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.