There are two benefit options from which to choose:
- Option A: Pays 60% of your Pre-Disability Salary, up to a maximum of $2,500 per week, with an Elimination Period of 14 days.
- Option B: Pays 60% of your Pre-Disability Salary, up to a maximum of $2,500 per week with an Elimination Period of 30 days.
Example: if a person’s Annual Pre-Disability Salary equals $65,000, simply divide by 52 (weeks) and multiply by the benefit percentage of 60% to find out your weekly benefit.
$65,000 / 52 x .60 = $750.00 per week of STD benefit
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.