If you have an illness or injury that keeps you from working for a long period of time, you may be able to protect your finances with the help of Long Term Disability (LTD) benefits. LTD benefits provide income replacement when you are unable to work because of an illness or injury. In other words, you still receive a portion of your paycheck, even when you can’t work. LTD benefits usually take over when Short Term Disability benefits end.

  • Monthly Benefit

    Pays a portion of your income if you are unable to work for an extended period of time due to illness, covered injury or pregnancy.

    60% of your income, up to $10,000 per month

  • Elimination Period

    Waiting period before benefits begin.

    After 90 days of inability to work (once short-term disability ends)

  • Benefit Period

    How long are benefits paid?

    Until your Social Security Normal Retirement Age if you remain unable to work

  • Who pays for coverage?

    Your employer

Long Term Disability

Provider: NYLife

Plan ID# SGD614763

Phone: 800-255-5695

Website: https://www.mynylgbs.com/