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Long Term Disability (LTD)

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All eligible employees are automatically covered by the County’s long-term disability insurance plan at no cost to the employee.

Eligibility

  • an employee must be unable to perform the essential functions of their position for a period of 120 days following the date of injury or illness.

Plan Information

  • The plan provides income in the amount of 60% of the employee’s base monthly salary up until age 65, if at the time of disability, the employee is age 60 or under.
  • For anyone age 61 or older at the time of disability, the plan does not cover a disability which begins in the first 12 months after the effective date of coverage which is caused by, results from or is contributed to by a preexisting condition.
    • A preexisting condition is defined as one for which an employee sought or received medical treatment in the three months prior to the effective date of the insurance.

 

An employee who suffers an injury or illness which has a foreseeable long-term duration should contact the Benefits Department at (301)645-0585 as soon as possible to begin the application process for LTD coverage.