Long-Term Disability (LTD) Insurance

Eligibility

Regular employees scheduled to work a minimum of 30 hours per week (at least 75% full-time) are eligible to enroll in the Long-Term Disability insurance.

Enrollment

In order to enroll without a "Statement of Health" from a physician, enrollment forms must be completed within the first 31 days of employment. After this deadline enrollment will require a "Statement of Health." Applications for enrollment or an increase in coverage level may be made at any time with the submission of a Statement of Health (coverage for late applicants is not guaranteed).