LONG TERM DISABILITY

Long-Term Disability Insurance coverage begins where Short-Term Disability coverage leave off and begins on the 181st day of sickness or injury. Upon approval of the claim by Unum, LTD benefits begin on the 181st day of sickness or injury and continue up to the age 65 at 60 percent of your earnings to a maximum of $10,000 per month. LTD payments are offset by other disability benefits such as Social Security Total and Permanent Disability Benefits or Workers Compensation.