Disability Insurance

Employer-Paid Long-Term Disability Insurance

Some union contracts provide Long-Term Disability (LTD) Insurance. A long-term disability is an illness or injury that prevents you from working for an extended period of time. LTD insurance may replace part of your lost income by paying you directly on a monthly basis. LTD payments will be reduced if you qualify for other sources of income, such as workers' compensation or state disability benefits. LTD coverage begins the first day of the month following six (6) months of employment. For complete eligibility requirements, call New York Life at (800) 695-4226, Option #1, Extension #3.

Absence from Work and LTD Coverage

If you are not actively at work due to illness or injury, LTD coverage continues for 12 months from the start of your approved medical leave. If your coverage terminates during a period of disability, which began while you had coverage, benefits will be available as long as your period of disability continues. Make sure your portion of benefit premiums is paid.

Returning to Work

LTD programs can help you get back on the job when it’s medically safe for you to do so. You may be able to return to work part-time, or work at a different type of job. If you qualify, LTD can continue paying a portion of your benefits.

If You Become Disabled

If you become disabled, and you are eligible for long-notify New York Life of your disability as soon as possible, Monday through Friday, from 5:00 A.M. to 5:00 P.M., by calling (888) 842-4462. 

Within 30 days after the date of your disability, you should begin filing a long-term disability insurance claim with New York Life. New York Life will work with your doctor to certify that your illness or injury will keep you away from your job.