Employer-Paid Long-Term Disability Insurance & LTD Bargaining Units Chart

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.

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.

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, 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. For more information about Long-Term Disability Insurance, visit sfhss.org/long-term-disability-insurance.

180-day elimination period; up to 60% of monthly base earnings; $5,000 monthly maximum:

Auto Machinists Local 1414
Brick Layers Local 3
Building Inspectors
Carpenters Local 22
Carpet, Linoleum, Soft Tile Local 12
CCSF Unrepresented Employees
Cement Masons Local 300
Electrical Workers Local 6
Glaziers Local 718
Hod Carriers of LIUNA Local 261
Iron Workers Local 377
Laborers Int. Local 261
Operating Engineers Local 3
Painters Local 4
Pile Drivers Local 34 Plasterers Local 66
Plumbers and Pipefitters Local 38
Roofers Local 40
SEIU Local 1021 Miscellaneous
SEIU Local 1021 Staff Nurses
Sheet Metal Workers Local 104
Stationary Engineers Local 39
Supvr. Registered Nurses Local
Superior Court Clerical/Technical
Superior Court SEIU Local 1021
Teamsters Local 853
Teamsters Local 856
Theatrical Stage Local 16
TWU Local 200 SEAM
TWU Local 250A (7410, 9132)

90-day elimination period; up to 66.6667% of monthly base earnings; $7,500 monthly maximum:

IFTPE Local 21
Municipal Attorneys Association
Municipal Executives Association1
UAPD 8CC 17, 18
Superior Court Attorneys Local 21: (311C, 312C, 316C)
Superior Court Reporters Local 21
Superior Court Professional Classes Local 21:
(353C, 354C, 355C, 372C, 375C, 0648, 0649, 0655, 0676, 476C, 479C, 495C)
Superior Court Unrepresented Professional Classes:
(315C, 351C, 352C, 370C, 373C, 374C, 376C, 377C, 378C)

Fire and Police employees represented by MEA may voluntarily elect long-term disability insurance, using flexible credits. If your bargaining unit is not listed above, you may not be eligible for LTD benefits. This is a general summary. For LTD coverage details, visit sfhss.org/long-term-disability-insurance or call New York Life at (800) 695-4226, Option #1, Extension #3.