What is Disability Insurance?

Disability insurance protects your income when you cannot work due to illness or injury; it Replaces a percentage of your predisability income lost due to sickness, pregnancy or as a direct result of accidental injury; and, Helps you to cover your essential living expenses if you are sick or hurt and cannot work.

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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