The Liberty Mutual Long-Term Disability (LTD) Plan provides eligible employees with salary continuation in the event of a non-work-related illness, accident or permanent and total disability. Employees pay the full cost of Long-Term Disability coverage on an after-tax basis. This ensures that any benefits received are tax-free.
The LTD Plan continues a portion of pay when a disability due to injury or sickness keeps an employee away from work for 26 weeks or longer.
Employees regularly scheduled to work 30 or more hours per week must choose a Long-Term Disability Plan that replaces 40, 50 or 60% of their weekly pay up to a maximum monthly benefit of $15,000.
Employees regularly scheduled to work less than 30 hours but more than 20 hours per week may elect one of the three LTD options or choose No Coverage.
Depending on when an employee becomes disabled, they may qualify to receive benefits up to either age 65 or 70.
U.S. employees are eligible for coverage if they're regularly scheduled to work 20 hours or more per week.
Medical Second Opinion
Get a second opinion for certain diagnoses or elective surgeries through Best Doctors.
Review the disability coverage available if a disability keeps an employee away from work for less than 26 weeks.
Work Life Solutions (EAP)
Access a wide range of services designed to help balance life’s challenges, including access to financial/legal services and referrals to counselors.