Our isn’t changing. However, during this enrollment period, you will be automatically enrolled in LTD coverage for 2018, even if you previously waived coverage. If you do not wish to have LTD coverage in 2018, you must actively waive coverage during annual enrollment.

While it can be difficult to imagine, the possibility of developing a critical or long-term physical or mental health issue is not uncommon. Without LTD coverage, you could be left without any source of income should you find yourself unable to work for six or more months. LTD coverage provides 60% of your Benefits Eligible Earnings if you become ill or injured and cannot work for more than 180 days.

How your benefits provide financial protection in the event of illnesses or injury: