HR and Benefits: Active Employee Handbook

LTD Benefit

Benefit Amounts
LTD benefits are based on your monthly earnings at the time you become disabled.
Your LTD benefit is 50% of your monthly insured pre-disability* earnings, up to a maximum of $15,000, reduced by deductible income.
  • The minimum monthly benefit is $100.
  • The maximum monthly benefit is $7,500.
* Your monthly "pre-disability" earnings is your regular monthly pay, excluding overtime, shift differential, and other extra pay. For Fire and Police employees who qualify, education pay is considered part of your regular pay. For information about your pre-disability earnings, contact your departmental Human Resources Coordinator.
If you are able to work while disabled, your benefits may be adjusted to account for your earnings. See the insurance carrier for details.
Tax Treatment of Benefits
LTD benefits are not subject to income tax. Keep this in mind when deciding whether to draw LTD benefits (at 50% of regular earnings, not taxed) or take paid leave (100% of regular earnings, taxed).