Long-Term Disability Coverage

Most illnesses or injuries prevent you from working for only a few days. But more serious conditions could keep you out of work for weeks, months, or even years. Fortunately, the City provides you with a source of income during these difficult times. The Long-Term Disability (LTD) Plan helps protect you and your family.

The following summarizes the LTD Plan:

Monthly Benefit

50% of your monthly earnings (offset by other income, Social Security and TMRS).  The monthly benefit minimum is $100 and the maximum is $5,500.

Benefits Begin

Your benefits start after you've been unable to work for 180 days, and you've used up your sick and vacation leave once your claim is approved. If sick or vacation leave extends you beyond one year, the City's automatic termination policy applies and benefits will begin at that time.

Benefit Eligibility

If your claim is approved, you may receive benefits for up to two years while you are disabled from working in your own occupation. Your benefits may continue for a longer period if you are disabled from working in any occupation. Your case will be reviewed annually for continued benefits.

Benefits End

At age 65, if you become disabled before age 61. Benefits continue for a set period of time if you are disabled after age 61. Benefits also end when you are able to return to work, if your absence lasted one year or less.

For more information, see the Employee Benefits Guide.