How the plan works

Important information about how the long-term disability plan works

Long-term disability (LTD) pays you a percentage of your eligible pay if you are injured or ill and are unable to work at a level to maintain earning at least 80% of your pre-disability pay. To qualify for LTD benefits, you must satisfy each of the following:

  • Be disabled because of illness or injury.
  • Complete a six-month waiting period when you first become disabled. During this six-month waiting period, you may return to work. If you earn less than 80% of your eligible pay during this time, you will still be able to receive LTD benefits at the end of the six-month waiting period.
  • Be under the appropriate care of a doctor.
  • Provide New York Life, the claims administrator, with proof of your disability.
  • Meet all the other terms and conditions of the LTD Plan.


Publication date: April 2021


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