Do I have to pay through payroll deductions?

Yes. Deductions will be made with “After-Tax” dollars which means the STD/LTD benefits will not be taxable. Deductions are taken in advance just as they are for other benefits, such as Medical and Dental.

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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