What happens to my disability insurance coverage if I quit (lose) my job?

Your disability insurance coverage will end at the midnight on the date you terminate employment. Members enrolled in the State’s disability insurance program for at least 12 calendar months whose employment ends due to a reason other than disability may convert their coverage to an individual disability policy or a non-state sponsored group disability plan. They must do so within 31 days of the end of their Disability insurance coverage. MetLife will mail the eligible member an enrollment packet which includes an enrollment form, plan summary and premium rate sheet. This option is not available to a member whose coverage ends due to non-payment of premiums.

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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