Will I have to pay my Long Term Disability (LTD) Insurance premiums while I am disabled?

Yes. You must pay your LTD premiums during the Elimination Period to keep your LTD insurance inforce. 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 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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