Long-term disability benefits are intended to provide continuation of income for periods of time an employee is deemed totally disabled and unable to work.
View Summary Plan Description for Insured Programs.
Eligibility:
- Full-time employment
- Subject to approval by The Hartford
Benefit: 66 and 2/3 percent of covered monthly salary as of the date the total disability began up to the maximum monthly benefit of $15,000.
Duration: Up to a maximum length of time determined by age at the time the disability began.
Age at Disability
|
Maximum Benefit Period
|
|
Less than age 60 |
Greater of SSNRA* or to age 65 (but not less than 5 years)
|
|
60 |
60 Months
|
|
61 |
48 Months
|
|
62 |
42 Months
|
|
63 |
36 Months
|
|
64 |
30 Months
|
|
65 |
24 Months
|
|
66 |
21 Months
|
|
67 |
18 Months
|
|
68 |
15 Months
|
|
69 and over |
12 Months
|
*SSNRA means the Social Security Normal Retirement Age as figured by the 1983 amendment to the Social Security Act and any subsequent amendments.
Start Date: After the greater of short-term disability ending or six months.
Process: When an individual on approved short-term disability approaches the 18th week of leave, The Hartford will open a long-term disability claim. The long-term disability plan is insured by The Hartford. Once The Hartford receives and evaluates the long-term disability information, a determination is made and notification is sent to the individual. The Benefits team is also notified of the approval or denial of the long-term disability claim. Employees are responsible
for adhering to the process described in the
Summary Plan Description for Insured Programs.