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Long-Term Disability
What Happens When...?
Other Important Information


Long-Term Disability
What Is Covered

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
Hartford LTD Claim Form
Cigna LTD Claim Process
Cigna LTD Claim Form
LTD Insurance Certificate for Admins
LTD Insurance Certificate for Non Admins
Related Links
The Hartford
Disclaimer: Christina Benefits Online provides only an overview of your benefits from Christina School District and The State of Delaware. Christina 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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