HR and Benefits: Active Employee Handbook

Optional Long-Term Disability Insurance

Plan Overview
Long-term disability (LTD) insurance provides a portion of your Metro pay should you become disabled by an injury, illness, or medical condition and cannot work. LTD insurance is available to Metro employees who are not eligible for a Metro credited service pension (generally those who have less than 10 years.) All Metro employees who are not eligible for a Metro pension should consider the income protection offered by LTD insurance.
FAST FACTS about Long-Term Disability Insurance
Purpose Replaces a portion of your Metro pay if you become disabled and cannot work.
Eligibility Employees who are eligible for other Metro benefits and who have less than 10 years of credited service.
Benefit 50% of your monthly "pre-disability" insured earnings, less any deductible income
  • Maximum monthly benefit — $7,500
  • Minimum monthly benefit — $100
When Benefits Begin After 180 days of continuous disability.
Length of Benefits
  • If you are disabled before age 62, benefits may continue until age 65
  • If you are disabled after age 62, length of payment varies
Cost Based on Metro earnings. You pay the full cost of LTD coverage at group rates.
Eligibility
You are eligible to enroll in LTD insurance if you:
  • Are a Metro employee who is eligible for other Metro benefits and,
  • Have less than 10 years of credited service
Cost
You pay the full cost of LTD insurance at group rates. Group rates are generally lower than rates for individual coverage. For LTD rates, see your Enrollment Guide or contact the insurance carrier.
You are not required to buy short-term disability (STD) insurance in order to buy LTD insurance.
LTD Premiums While Receiving LTD Benefits
You are not required to pay LTD premiums while receiving LTD benefits.
When Coverage Begins
The date LTD coverage begins will depend on when you enroll:
  • If you enroll during an Annual Enrollment period, see your Enrollment Guide for the effective coverage date.
  • If you enroll when hired, coverage will become effective on the first day of the month coinciding with or following 30 days of active employment.