{"id":269,"date":"2026-03-02T17:48:19","date_gmt":"2026-03-02T17:48:19","guid":{"rendered":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/?page_id=269"},"modified":"2026-03-02T19:19:51","modified_gmt":"2026-03-02T19:19:51","slug":"ltd-benefits-for-partial-disability","status":"publish","type":"page","link":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/life-and-add-insurance-plan\/ltd-benefits-for-partial-disability\/","title":{"rendered":"LTD &#8211; Benefits for Partial Disability"},"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;][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;][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;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Long-Term Disability<\/h1>\n<h2>Benefits for Partial Disability<\/h2>\n<p>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. In all cases, your partial disability benefit will never be less than the minimum monthly benefit of $100.<\/p>\n<h3>Partial Disability<\/h3>\n<p>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:<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\" border=\"1\">\n<tbody>\n<tr>\n<td style=\"width: 31.132075%; text-align: right;\"><strong>Your full disability benefit\u00a0<\/strong><\/td>\n<td style=\"width: 68.867925%;\">$500\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 31.132075%; text-align: right;\"><strong>Less\u00a0<\/strong><\/td>\n<td style=\"width: 68.867925%;\">$180 (your partial disability offset-60% of monthly earnings)<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 31.132075%; text-align: right;\"><strong>Equals\u00a0<\/strong><\/td>\n<td style=\"width: 68.867925%;\">$320 (your partial disability benefit)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Total Monthly Income = $320 + $300 = $620<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Read more LTD links&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_module=&#8221;262&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Read more about:<\/p>\n<ul>\n<li><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-benefits-for-successive-disability\/\">Benefits for Successive Disability<\/a><\/li>\n<li><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/life-and-add-insurance-plan\/ltd-benefits-for-partial-disability\/\">Benefits for Partial Disability<\/a><\/li>\n<li><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-rehabilitation-benefits\/\">Rehabilitation Benefits<\/a><\/li>\n<li><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-appealing-a-claim\/\">Appealing a Claim<\/a><\/li>\n<\/ul>\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;][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; global_module=&#8221;238&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><strong>Long-Term Disability Insurance<br \/><\/strong> <a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-employees-covered-under-the-state-ltd-plan\/\">Covered by the State LTD Plan<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-employees-covered-under-the-state-pension-plan\/\">Covered by the State Pension Plan<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-benefits-for-total-disability\/\">Benefits for Total Disability<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-benefits-for-successive-disability\/\">Benefits for Successive Disability<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/life-and-add-insurance-plan\/ltd-benefits-for-partial-disability\/\">Benefits for Partial Disability<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-rehabilitation-benefits\/\">Rehabilitation Benefits<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-appealing-a-claim\/\">Appealing A Claim<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-what-is-covered\/\">What Is Covered<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-what-is-not-covered\/\">What Is Not Covered<\/a><br \/><a href=\"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-when-coverage-ends\/\">When Coverage Ends<\/a><\/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 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":193,"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-269","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/PhdndX-4l","_links":{"self":[{"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/269","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=269"}],"version-history":[{"count":4,"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/269\/revisions"}],"predecessor-version":[{"id":311,"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/269\/revisions\/311"}],"up":[{"embeddable":true,"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/193"}],"wp:attachment":[{"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/media?parent=269"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}