2018 Long-Term Disability

It's hard to imagine becoming disabled. But accidents and illnesses can happen to anyone. One in seven workers in the U.S. can expect to become disabled for five years or more prior to retirement. Electing Long-Term Disability (LTD) coverage helps you protect your family financially if illness or injury keeps you from working.  LTD is “check insurance,” when your Short-Term Disability coverage runs out.  LTD provides you with partial income replacement for an extended period of time in the event your disability lasts longer than 90 days.

You may elect Long-Term Disability (LTD) coverage at any time during the year without Evidence of Insurability (EOI), but pre-existing conditions apply.  Pre-Existing Conditions Limitations: benefits are based on various factors such as pre-existing conditions limitations, enrollment date in the program, life  events, etc.  See below for details.

Plan Coverage

Because this is an insured plan, The Hartford must approve all LTD claims. Benefits are non-taxable under current federal law and will be offset by other sources of disability income, including state disability benefits, Social Security disability benefits, and Workers' Compensation benefits, for example.

The maximum length of time that disability benefits are payable depends on your age, pay status, type and duration of disability, and your ability to perform duties associated with your own job and eventually any job.  On your 91st day on disability, you will be COBRA eligible and a complete packet of information will automatically be sent to you. 

Pay Status

Benefit

Your Pay Period Cost

Hourly

50% of base monthly salary, up to $1,000/month for 5 years

$6.04 per week / $26.18 per month

Salaried, Non-exempt

60% of base monthly salary up to $10,000/month

($0.572 x monthly base earnings) divided by 100

Salaried, Exempt

60% of base monthly salary up to $10,000/month

($0.572 x monthly base earnings) divided by 100

Pre-Existing Conditions Limitations

If you have a pre-existing condition, there is a 12-24 month exclusionary period (only for that condition) from the effective date of the LTD coverage.  No benefit will be paid for a disability that is due to, contributed to by, or the result of a pre-existing condition, unless:

  • The disability was not present or treated during the 12 months prior to the individual effective date or
  • You are 12 months treatment free from the individual effective date or
  • You have 24 months of continuous LTD coverage

Please note there is no restriction for any other sickness or injury.

Want more information about this?  See pre-existing condition examples or refer to the Summary Plan Description.

Filing a Long-Term Disability Claim

Long-term disability claims submitted for injury or illness with an original disability date in 2018 will continue to be handled by The Hartford. All claims with disability beginning in 2019 will be handled by OneAmerica. Please refer to the 2019 Long-Term Disability page.

If at any time you anticipate that your disability may extend beyond 90 days, if possible, you should begin the process of filing a Long-Term Disability (LTD) claim close to your 45th day (approximately 6 weeks) of disability.

To initiate and expedite filing a Long-Term Disability claim, visit The Hartford’s website at mybenefits.thehartford.com. In order to sign on and begin the process, you will need the LTD policy number (674528) and an email address.  For detailed instructions on how to file a claim, refer to the document "How to File an LTD Claim" below.

Additional Benefits Available to You

If you have LTD coverage, you have additional benefits available to you through the Hartford. See brochures below for details:

  • Personal/Business Travel Assistance
  • ID Theft Protection Services (at home or while traveling)
  • Ability Assist Counseling services for all family members (3 face to face visits). Member must have approved LTD claim to receive Ability Assist benefits.

pdf button Travel Assist

pdf button Ability Assist  

Continuation of Coverage through COBRA
  • Please note that on the 90th day of disability, your Medical, Dental and Vision benefits will cancel, however you will be eligible to continue your benefits through COBRA.
  • Once you have been out of work for one year, if you wish to continue COBRA coverage, the standard COBRA rate of 102% of premium will apply.

pdf button Benefits Continuation Notification

Additional Information

pdf button Long-Term Disability Summary Plan Description (SPD) 

pdf button Long-Term Disability (SPD) Amendment (Effective 4/1/2018)

pdf button How to File an LTD Claim

pdf button Claim Form

pdf button Attending Physician's Statement of Continued Disability

Long-Term Disability Contact - The Hartford

General Inquiries 1-800-445-9057  |  Check the Status of a Claim   1-866-945-4558  |  Fax   1-866-411-5613

mybenefits.thehartford.com

Policy Number: GLT - 674528

 

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