Long-Term Disability Insurance Plan

FIT offers a Long-Term Disability (LTD) Insurance Plan through The Hartford. LTD Insurance Plan coverage replaces a portion of your pay if you cannot work due to illness or injury if you apply for and are approved for benefits by The Hartford, the LTD Plan insurer.  For complete details about LTD Insurance Plan coverage, please refer to the Long-Term Disability Plan Certificate of Insurance (.pdf). 

What you need to do by Friday, November 15, 2024:

  • You do not want to make a change:  Do nothing; your current plan option elected will carry forward to 2025.
  • You want to change your option: 
    • Email a benefits representative at [email protected] using your FIT email address (include your FIT ID number) to obtain associated costs and an LTD election form. 
    • If you elect a higher-level enhanced option than your current enrollment, a health questionnaire will be provided to you. If approved, The Hartford will notify you and FIT of the effective date of coverage, and required post-tax contributions will be deducted from your paycheck. Rates are based on your age and salary (to certain thresholds), subject to change each January 1. Coverage may not become effective until approved by The Hartford.
    • If you elect a higher-level enhanced option than your current enrollment and you experience a disability that is caused by, contributed by, or resulting from a pre-existing condition, there is a 12-month waiting period before the new benefit option may be received; you may be eligible to receive the previous, lower benefit during the 12-month waiting period. A pre-existing condition is defined as a condition for which you received medical care or treatment in the three months before the date the new coverage becomes effective.

Important Definitions

Base salary is the salary in effect just before your initial date of disability.

Waiting period is the minimum period you must wait from the start of your approved disability date until LTD Plan benefits may become available to you.

LTD Plan Details

The plan offers four options.  Option A is paid for by FIT. Enhanced Options B, C, and D either have a higher benefit level or a shorter waiting period to receive benefits, or both. 

Option A

Cost and Benefit Amount
Paid for by FIT 60% of base salary to a maximum (Basic LTD Option) benefit of $6,000 per month paid for by the employee on an after-tax basis

Benefit Waiting Period
180 days

Option B

Cost and Benefit Amount
Based on age and base salary 60% of base salary to a maximum benefit of $6,000 per month, paid for by the employee on an after-tax basis

Benefit Waiting Period
90 days

Option C

Cost and Benefit Amount
Based on age and base salary 70% of base salary to a maximum benefit of $6,000 per month, paid for by the employee on an after-tax basis

Benefit Waiting Period
180 days

Option D

Cost and Benefit Amount
Based on age and base salary 70% of base salary to a maximum benefit of $6,000 per month, paid for by the employee on an after-tax basis

Benefit Waiting Period
90 days