{"id":236,"date":"2026-03-02T17:02:03","date_gmt":"2026-03-02T17:02:03","guid":{"rendered":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/?page_id=236"},"modified":"2026-03-02T17:02:07","modified_gmt":"2026-03-02T17:02:07","slug":"long-term-disability-insurance","status":"publish","type":"page","link":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/","title":{"rendered":"Long-Term Disability Insurance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; locked=&#8221;off&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h1>Long-Term Disability<\/h1>\n<h2>Your School District&#8217;s Long-Term Disability Plan<\/h2>\n<p>Your good health &#8211; and ability to work &#8211; are two things that should not be taken for granted. The School District&#8217;s Long-Term Disability (LTD) Plan protects you and your family from financial hardship should an illness or injury prevent you from working for an extended period of time. Through this plan, you are provided with a basic level of monthly benefits after you have been totally disabled for a certain length of time.<\/p>\n<h3>What Is a Disability?<\/h3>\n<p>There are three types of disability:<\/p>\n<p><strong>Total Disability exists when, due to an illness or accidental injury:<\/strong><\/p>\n<ul>\n<li>You are not able to perform, for the first two years of your disability, the material and substantial duties of your occupation for wage or profit<\/li>\n<li>You are not able to perform the material and substantial duties of any job for which you are reasonably qualified based on training, education and experience<\/li>\n<li>You are presently not working at any job for wage or profit<\/li>\n<li>You are under the regular care of a physician for the condition causing your disability<\/li>\n<\/ul>\n<p><strong>Successive Disability exists when, due to an illness or accidental injury:<\/strong><\/p>\n<ul>\n<li>You receive LTD benefits, return to work, and become disabled again from the same or a related cause<\/li>\n<li>The periods of disability are separated by less than six months of employment<\/li>\n<\/ul>\n<p><strong>Partial Disability exists when:<\/strong><\/p>\n<ul>\n<li>You have already experienced a period of total disability<\/li>\n<li>You are not able to perform, for wage or profit, the material and substantial duties of your occupation on a full-time basis, or your disability has caused you to reduce the number of hours you work<\/li>\n<li>You are under the regular care of a physician for the condition causing your disability<\/li>\n<\/ul>\n<p>LTD benefits will be paid up to age 70 if you are age 69 or younger and on an approved disability. If you are age 70 or older, your LTD benefits will be paid for 12 months.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text admin_label=&#8221;LTD links&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||20px|17px|false|false&#8221; hover_enabled=&#8221;0&#8243; border_width_left=&#8221;1px&#8221; border_color_left=&#8221;#0C71C3&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243; global_module=&#8221;238&#8243;]<\/p>\n<p><strong>Long-Term Disability Insurance<br \/><\/strong> Employees Covered by the State LTD Plan<br \/>Employees Covered by the State Pension Plan<br \/>Benefits for Total Disability<br \/>Benefits for Successive Disability<br \/>Benefits for Partial Disability<br \/>Rehabilitation Benefits<br \/>Appealing A Claim<br \/>What Is Covered<br \/>What Is Not Covered <br \/>When Coverage Ends<\/p>\n<p><strong>Related Forms<\/strong><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-content\/uploads\/2026\/03\/LTD-Claim-Process.pdf\" target=\"_blank\" rel=\"noopener\">Cigna LTD Claim Process<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-content\/uploads\/2026\/03\/LTD-Claim-Form-2.pdf\" target=\"_blank\" rel=\"noopener\">Cigna LTD Claim Form<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-content\/uploads\/2026\/03\/SGD605183c01-Appoquinimink.pdf\" target=\"_blank\" rel=\"noopener\">LTD Insurance Certificate<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-content\/uploads\/2026\/03\/LTDClaimForm-FI-2.pdf\" target=\"_blank\" rel=\"noopener\">Hartford LTD Claim Form<\/a><\/p>\n<p><strong>Related Links<\/strong><br \/><a href=\"http:\/\/www.mycigna.com\/\" target=\"_blank\" rel=\"noopener\">Cigna<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Long-Term Disability Your School District&#8217;s Long-Term Disability Plan Your good health &#8211; and ability to work &#8211; are two things that should not be taken for granted. The School District&#8217;s Long-Term Disability (LTD) Plan protects you and your family from financial hardship should an illness or injury prevent you from working for an extended period [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-236","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/PhdndX-3O","_links":{"self":[{"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/236","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/comments?post=236"}],"version-history":[{"count":3,"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/236\/revisions"}],"predecessor-version":[{"id":405,"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/236\/revisions\/405"}],"wp:attachment":[{"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/media?parent=236"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}