Long-Term Disability (LTD) Insurance

Long-Term Disability insurance is a vital component of your financial security. It is designed to provide you with income replacement if you become seriously ill or injured and are unable to work for an extended period.

Plan Fundamentals

Understanding your LTD Benefit

LTD insurance replaces a portion of your income if you experience a total disability.

The Claims Process

It is important to understand that the College does not make disability decisions. The insurance company underwriting and administering this coverage is solely responsible for any disability determination or decision. All claims are determined by the insurance carrier, not Berea College.

For more information, please refer to the Employee Benefits Overview (EBO) document or your official insurance plan booklet.