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Long Term Disability Insurance - Unum
LONG-TERM DISABILITY
If your disability continues beyond the duration of your short-term disability benefits, you may be eligible for the
Long-Term Disability (LTD) Plan. The LTD plan provides 60% of your monthly salary, up to a maximum of
$10,000 per month. Benefits are payable as long as your disability continues up to your Social Security normal
retirement age (or longer depending on when your disability begins).
There is also a Return to Work Incentive. If you return to work during the first 24 months of your disability, you
may be able to earn up to 100% of your pre-disability income even if you do not work full time. LTD benefits
may be reduced by income you received from other sources, such as Social Security, Worker’s Compensation,
pension plans or other group disability plans.
Click here for a detailed summary of your Disability Plan
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