Long-Term Disability Insurance
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.
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) | |
| Less | $180 (your partial disability offset-60% of monthly earnings) |
| Equals | $320 (your partial disability benefit) |
Total Monthly Income = $320 + $300 = $620
Disability Insurance
Related Pages
- 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
- Short Term Disability
Related Forms
- Hartford Claim Form
- Hartford State Buy-Up LTD Plan
- Cigna Claim Process
- Cigna Claim Form
- LTD Insurance Certificate for Administrators
- LTD Insurance Certificate for Non-Administrators
Related Links