Will using days from the “Sick Leave Bank” impact my LTD benefit payment?

You are NOT required to use days from the Sick Leave Bank. However, if you withdraw days from your Sick Leave Bank, any Sick Leave Bank days that extend beyond the LTD benefit start date will be an offset to the LTD benefit. You will not be paid from two different sources for your disability. Your disability benefit payment will begin after your pay from the Sick Leave Bank ends.

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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