Brandywine Benefits -- LTD

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About Your Benefits
	Program Overview
Your State Benefits
	Medical/Prescription Drugs
	Life Lines
	State Group Life Insurance
	Flexible Spending Accounts
	Employee Assistance Program
	Wellness
	Disability Insurance
Your School District Benefits
	Dental
	Vision Care
	Life and AD&D Insurance
	Long-Term Disability
	What Happens When...?
	Other Important Information

Long-Term Disability
How LTD Works – Appealing a Claim

For LTD benefits, if your claim is denied in whole or part, you will be notified in writing. The notification will include the reasons for the denial and any additional information required if you want to appeal. Learn when and how to appeal a claim.


Long-Term Disability Insurance
	Employees Covered by the State LTD Plan
	Employees Covered by the State Pension Plan
	Benefits for Total Disability
	Benefits for Successive Disability
	Benefits for Partial Disability
	Rehabilitation Benefits
	Appealing a Claim
	What Is Covered
	What Is Not Covered
	When Coverage Ends

Related Forms
	The 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
	Cigna

Disclaimer: Brandywine Benefits Online provides only an overview of your benefits from Brandywine School District and The State of Delaware. Brandywine 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.