{"id":285,"date":"2026-03-02T17:55:51","date_gmt":"2026-03-02T17:55:51","guid":{"rendered":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/?page_id=285"},"modified":"2026-03-02T17:55:54","modified_gmt":"2026-03-02T17:55:54","slug":"ltd-what-is-covered","status":"publish","type":"page","link":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/long-term-disability-insurance\/ltd-what-is-covered\/","title":{"rendered":"LTD &#8211; What Is Covered"},"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>What Is Covered<\/h2>\n<h3>Waiver of Premium<\/h3>\n<p>The insurance company waives all premiums while you are receiving LTD benefits so you will not have to contribute to the cost of your LTD coverage. However, while you are satisfying the elimination period, your premium payments must continue.<\/p>\n<h3>Extended Benefits<\/h3>\n<p>If the group LTD Plan terminates while you are receiving benefits, you will continue to receive payments for as long as you remain totally disabled.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/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; 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; theme_builder_area=&#8221;post_content&#8221;]<\/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 What Is Covered Waiver of Premium The insurance company waives all premiums while you are receiving LTD benefits so you will not have to contribute to the cost of your LTD coverage. However, while you are satisfying the elimination period, your premium payments must continue. Extended Benefits If the group LTD Plan terminates [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":236,"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-285","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/PhdndX-4B","_links":{"self":[{"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/285","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=285"}],"version-history":[{"count":2,"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/285\/revisions"}],"predecessor-version":[{"id":288,"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/285\/revisions\/288"}],"up":[{"embeddable":true,"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/pages\/236"}],"wp:attachment":[{"href":"https:\/\/schooldistrictbenefits.com\/appoquinimink\/n\/wp-json\/wp\/v2\/media?parent=285"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}