Are there any limitations to my Disability Insurance coverage?

Short Term Disability: No

Long Term Disability: Yes. Limitations to your benefit may apply if you are disabled due to one or more of the following medical conditions, your disability benefits will be limited to a lifetime maximum benefit equal to the lesser of 24 months or the Maximum Benefit Period: Alcohol, Drug or Substance Abuse or Addiction or Mental and Nervous Disorders or Diseases. Please review the LTD Certificate of Insurance for specific details. Click here to view the Certificate.

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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