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Long Term Disability

Coverage

This benefit pays up to 66.667% of your monthly earnings if you become disabled. The minimum benefit is $100 per month and the maximum benefit is $6,667 per month (66.667% of $10,000), before reduction by deductible income. These benefits may continue for as long as the disability continues, up to age 67 for most employees. In addition:

  • Benefits begin after a 180 day waiting period.
  • The LTD plan does coordinate with any benefits you may be receiving from Social Security and/or State disability retirement benefits.

Cost

Employees with a leave plan will lose one personal day each fiscal year; employees without leave plans will have a one time deduction of .2% taken off their first across the board increase.

Eligibility

Only those employees who hold a position that is not covered by a collective bargaining agreement, including Classified, Confidential, Elected or Appointed Officials, and Exempt Employees are eligible to join the plan. In addition, enrollment is effective following one year of continuous active employment and is mandatory.

Administrator

The Standard Insurance Company
75 Market Street, Suite 403
Portland, ME 04101
(877) 247-1427
The Standard Insurance Company

NOTE ON SEPARATE FMLI BENEFIT ADMINISTERED BY THE HARTFORD:

Family and Medical Leave Insurance

Separate from the long-term disability plan, beginning July 1, 2023, eligible employees who have completed one year of service after their most recent date of hire will be automatically enrolled in the Family and Medical Leave Insurance (FMLI) program. This benefit is provided at no cost to the employee. To be eligible, you must:

To be eligible, you must:
• Be a classified or exempt employee of the Executive, Judicial or Legislative branches, or a State Transport Deputy, or an employee of one of the County State’s Attorney’s Offices.
• Have been an employee of the State of Vermont for at least one year since your most recent date of hire.
• Be paid through the State of Vermont payroll system.

More information here.