Long-Term Disability (LTD)

The County offers two long-term disability (LTD) options to all eligible employees. You will pay 100% of the premium cost with after tax dollars but at low group rates. This coverage will allow you to choose between two options --- 50% of base pay up to the allowable maximum per month or 60% of base pay up to the allowable maximum per month.

Classes	Option 1	Option 2
Public Safety Employees	50% of annual compensation $5,000 maximum monthly benefit $50 minimum monthly benefit	60% of annual compensation $6,000 maximum monthly benefit $50 minimum monthly benefit
All Other Employees	50% of annual compensation $3,000 maximum monthly benefit $50 minimum monthly benefit	60% of annual compensation $5,000 maximum monthly benefit $50 minimum monthly benefit

How Does LTD Insurance Work?

The LTD insurance is integrated with the County's annual, sick, disability leave policies, workers' compensation program, Social Security and disability retirement benefits. If your disability makes you eligible to receive income from any of these programs, then the LTD plan will pay the difference between the amount you receive from these programs and the benefit level you selected. The minimum monthly benefit if approved is $50 a month. Benefits may not begin until after 180 days of disability and the completion of the claims process.

Rates and coverage amounts will change due to salary and class changes.

Please call the Benefits Administration Division at (301) 883-6380 if you have questions about the LTD plan.

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