Long-Term Disability Insurance
Long-term disability insurance replaces a portion of income when you are unable to work for an extended period due to a covered injury or illness. You may choose an elimination period of either 3 months, 6 months, or 1 year to coordinate with any short-term disability coverage and/or accumulated sick time.
Special Enrollment Period: July 1-July 31, 2026
In partnership with The Hartford Insurance Company – The State of Connecticut is pleased to announce a special, one-time open enrollment opportunity for Voluntary Long-term Disability (LTD) insurance coverage.
During July, all eligible employees will have the opportunity to enroll in Long Term Disability insurance without providing Evidence of Insurability (no medical questions). Coverage will be effective August 1, with deductions beginning in the first pay period in August. If you decide to elect Long Term Disability at a later date, a medical questionnaire must be completed and approved before coverage can be added.
If you are currently enrolled in Long Term Disability coverage, you also have the option to change your coverage as well. The LTD program rates have been reduced by 25%. Note that deductions are based on your current age bracket and current salary. Again, if you choose to increase coverage during this open enrollment, no Evidence of Insurability will be required.
Eligibility
Employees working at least 17.5 hours per week are eligible to enroll for coverage on their first day of employment (20 hours for CT Probate-eligible employees).
How to Enroll
Please complete the enrollment materials form and send it to the contact information listed on the form.
No need to calculate costs yourself, The Hartford can provide personalized pricing and quotes for all available coverage options based on your date of birth and annual income.
SCEVLTD Program
c/o USI Insurance
95 Glastonbury Blvd, Suite 406
Glastonbury, CT 06033
Phone: (203) 634-2829 Toll-Free: (888) 723-8583 Fax: (866) 486-3508
Email: USICT.SCEVLTD@usi.com
Benefit Offerings
PLAN OPTIONS
Employees can elect either 50% or 60% of their monthly salary, up to a maximum amount of $5,000. Employees can elect one of three benefit elimination periods: 90 days, 180 days, or 365 days. Note: The elimination period is the number of days after which you may receive monthly benefits. 365 days is recommended for those enrolled in the state-sponsored short-term disability plan.
Because the contributions for this coverage are made with after-tax dollars, any benefit received would be non-taxable.
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.
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. Benefits from this plan are tax free. Premium payments can be made via payroll deduction.
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.
The Hartford LTD FlyerBenefit HighlightsFrequently Asked Questions
Need Help?
- For questions or help choosing benefits or enrolling, contact The Hartford:
- Phone: (203) 634‑2829 Toll‑Free: (888) 723‑8583
- Fax: (866) 486‑3508
- Email: USICT.SCEVLTD@usi.com
- use the mobile app, then enter R21157 to access State of Connecticut benefits.
- For questions about eligibility, enrollment, payroll deductions, or State of Connecticut supplemental benefits, contact the Office of the State Comptroller Supplemental Benefits: osc.supplemental-benefits@ct.gov.