What is the 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 Earnings 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

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.

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