Long Term Disability (LTD)

The Authority provides Long Term Disability (LTD) coverage through Unum Insurance Company at no cost to you.  LTD benefits are provided to protect your income if you are unable to work due to an occupational OR non-occupational disability. Upon approval by Unum, the policy pays up to 60% of your pre-disability monthly earnings to a maximum of $8,000 per month. You must be disabled for a period of 90 days prior to receiving a benefitUnum pays LTD benefits at the end of each month for that month.  Benefits paid under the LTD plan are taxable income and must be reported on your Federal Income tax returns.

NOTE: The Authority does not provide Short Term Disability (STD) benefits or participate in the New Jersey Temporary Disability Insurance (TDI) plan. Employees are expected to use accrued sick leave during the 90-day LTD waiting period.  If you do not have enough accrued sick leave to cover the waiting period, then you may want to consider enrolling in the Individual STD plan that is offered by Unum Voluntary Benefits to Authority employees. Refer to ‘Voluntary Benefits‘ for information on how to enroll in an individual Short Term Disability (STD) plan, if required.

Video: Long-Term Disability Insurance

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