Are there any exclusions to my Disability Insurance coverage?

Yes. Short Term and Long Term Disability insurance typically does not cover any disability caused or contributed to by any of the following means:

  • Acts of War, Insurrections, Riots, Rebellion(s) or Terrorist acts.
  • Intentionally self-inflicted injuries or attempted suicides.
  • Commission of or attempt to commit a felony.
  • Disability(ies) caused or contributed to by elective treatments or procedures include items such as Cosmetic Surgery(ies), Liposuction, or Visual correction surgery.

For a full list of exclusions, please read the Disability Certificate of Insurance. Click here to view the Certificates.

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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