Long-Term Disability Insurance

Long-term disability insurance replaces a portion of income when you are unable to work due to a covered injury or illness.

Eligibility

Employees working at least 17.5 hours per week are eligible to enroll for coverage on their first day of employment.

Guaranteed Coverage

New employees who enroll during the first 60 days of employment can obtain guaranteed coverage.  If you waive participation and choose to enroll after the 60-day period, you will be subject to evidence of insurability guidelines.

This coverage may be of interest to members of Tier II, Tier IIA, Tier III and those on the Hybrid Plan of the State Employee Retirement System, as they are not eligible for non-service related disability retirement benefits before completing 10 years of vesting service.

Long-Term Disability coverage delivers a percentage of your income each month for as long as you remain disabled, or until you reach your Social Security Full Retirement Age, whichever comes sooner.  If your disability occurs at age 63 or later, your payments may be reduced. Benefits from this plan are tax free. Premium payments can be made via payroll deduction.

How to Enroll

Call The Hartford at 888-723-8583 or 203-634-2829, email USICT.SCEVLTD@usi.biz or use the mobile app.