Newly eligible employees have 31 days after their initial eligibility date to enroll and will not be required to answer health questions. If you do not enroll during your initial 31 day eligibility enrollment period, you must wait until the Annual Enrollment Period, or when you experience a Special Qualifying Event. Then, if you decide to enroll, you will have to answer questions about your health.
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.