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Long-Term Disability
How LTD Works – Benefits for Partial Disability

If you are not able to perform your job on a full-time basis or you have to reduce the amount of hours you normally work, you can receive partial disability benefits. Under these circumstances, your benefit will be reduced to reflect the earnings you receive while working on a partial disability basis. While you work, you will receive your partial disability earnings, as well as a benefit equal to the proportion of your full-time disability benefit that corresponds to the difference between your previous monthly earnings and your partial disability earnings. In all cases, your partial disability benefit will never be less than the minimum monthly benefit of $100.

Partial Disability
For example, suppose your disability benefit is $500 and your earnings from working on a partial disability basis are $300. Your partial disability offset would be 60% of $300 or $180. That means, your total monthly income would equal:

$500 (your full disability benefit)
$180 (your partial disability offset-60% of monthly earnings)
$320 (your partial disability benefit)

Total Monthly Income = $320 + $300 = $620


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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