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What Is Covered

Peace of mind is important to your recovery. That is why you will not have to worry about paying premiums or the termination of the plan if you become disabled.

Waiver of Premium
The insurance company waives all premiums while you are receiving LTD benefits so you will not have to contribute to the cost of your LTD coverage. However, while you are satisfying the elimination period, your premium payments must continue.

Extended Benefits
If the group LTD Plan terminates while you are receiving benefits, you will continue to receive payments for as long as you remain totally disabled.

 

 
Long-Term Disability
Insurance
bullet Employees Covered by the State LTD Plan
bullet Employees Covered by the State Pension Plan
bullet Benefits for Total Disability
bullet Benefits for Successive Disability
bullet Benefits for Partial Disability
bullet Rehabilitation Benefits
bullet Appealing A Claim
What Is Covered
What Is Not Covered
When Coverage Ends
   
Related Forms
level2 bullet Cigna LTD Claim Process
level2 bullet Cigna LTD Claim Form
level2 bullet LTD Insurance Certificate
level2 bullet Hartford LTD Claim Form

Related Links
Cigna


 

    Important Legal Information:
Appoquinimink Benefits Online provides only an overview of your benefits from Appoquinimink School District and The State of Delaware. Appoquinimink School District and The State of Delaware reserve the right to amend or to terminate any benefit plan at any time, with or without notice. Review more important legal information about your benefits plans.

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