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.
- Full-time employment
- Subject to approval by Liberty Mutual
- Six month elimination period
Benefit: 66 and 2/3 precent of covered monthly salary as of the date the total disability began up to 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 (STD) ending or 6 months.
Process: When an individual on approved short term disability approaches the 18th week of leave, Liberty Mutual will open a long term disability claim. The long term disability plan is insured by Liberty Mutual. Once Liberty Mutual receives and evaluates the long term disability information, a determination is made and notification is sent to the individual. The Benefits Department 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 Insured Programs SPD.
Sheets from Liberty Mutual: