Long Term Disability

Plan Year & Enrollment

The benefit plan year starts September 1st and ends August 31st. Once you have enrolled in the plan, the plan will automatically renew each year. You may also elect this benefit at any time, but if you elect Long Term Disability Insurance after your New Hire Eligibility period, you will be required to provide Evidence of Insurability to New York Life for review and approval. Please see the plan documentation for pre-existing condition limitations. You may cancel this voluntary benefit at any time.

Click HERE to learn more about Supplemental Term Life Insurance, Accidental Death & Dismemberment Insurance, and Long-Term Disability Insurance.

2024-25 Plan Year Updates

New York Life premiums remain the same for Supplemental Term Life Insurance, Supplemental Accidental Death and Dismemberment Insurance, and Long Term Disability. During the 2024-25 Spring Enrollment event, employees may elect coverage for themselves and their spouses up to the guaranteed issue without having to submit an Evidence of Insurability form.  

1. Current employees, spouses and/or dependents currently enrolled in supplemental life are able to increase up the guaranteed issue (GI) amount without having to complete an EOI. The employee GI amounts are the lesser of 7x’s the annual compensation to a max of $400k. Spouse GI amount is $20k. Any amounts above that would require that the employee submit an EOI.

2. Employees and Spouses not currently enrolled in supplemental life may enroll up to the GI amounts without having to submit an EOI. Any amounts above the GI would require an EOI.

Certified Employees

Classified Employees

Eligibility - For Employee Eligibility information, please visit the Benefits webpage.