Brandywine Benefits -- LTD

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About Your Benefits
	Program Overview
	Annual Enrollment/View Benefits Summary/ePay
Your State Benefits
	Medical/Prescription Drugs
	Employee Assistance Program
	SurgeryPlus
	ASI Flexible Spending Accounts
	Securian Group Life Insurance
	Accidental & Critical Illness Insurance
	Disability Insurance
	Livongo
	Deferred Compensation Voya
Your School District Benefits
	Dental
	Vision Care
	Life and AD&D Insurance
	Long-Term Disability
	What Happens When...?
	Other Important Information

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 while you are receiving benefits, you will continue to receive payments for as long as you remain totally disabled.


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.