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Long-term Disability (LTD)

Unum: unum.com/employees, or call 1-866-779-1054

LTD coverage starts after your short-term disability benefits end. LTD ensures you have some income replacement if you can’t work for an extended period of time.

  • LTD is administered by Unum.
  • LTD replaces a portion of your pay.
  • Once approved by Unum, LTD coverage begins after your 26th week of disability.
  • This coverage is coordinated with other benefits you may receive while disabled, such as Social Security and Worker’s Compensation.
  • Coverage may continue until you reach your normal Social Security retirement age.
  • Benefits are paid monthly.