Yes. You must pay your long term disability premiums during the elimination period to keep your LTD insurance in force. You will be direct billed for long term disability premiums just as you are for other benefits such as medical and dental. Once you are eligible to receive long term disability benefits, premiums will be waived.
Please note that the long term disability insurance FAQs are for state employees only. The state of Tennessee 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.