Are there any income sources I might receive while I am disabled which will NOT reduce my Long Term Disability Benefit?

Yes. The following income sources will not reduce your Disability benefit:

  • Cost of living adjustments that are paid under any above sources of other income
  • Early retirement benefits that have not been voluntarily taken by you
  • Veteran’s benefits
  • Individual disability income insurance policies
  • Benefits received from an accelerated death benefit payment

The above list is not all inclusive. Please read the Long Term Disability Certificate of Insurance for the full legal details. Click here to view the Certificate.

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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