Disability – Service and Maintenance


Eligible participants are regular employees who are scheduled to work at least 20 hours per week.

Eligible employees are automatically enrolled in the Long-Term Disability Base Plan at no cost to employees.


Under the Base Plan on the first of the month following 180 days (6-month elimination period) of total disability, employees are entitled to receive 60% of their base monthly earnings to a maximum of $7,500 minus any other payments received, such as Worker’s Compensation or Social Security disability payments. The monthly benefit will not be less than $100.

Application Process

To apply for LTD, please call 203-432-5552, press option #4. You will need the Group Plan Number, which is #642971.

View the LTD FAQs.

The insurance carrier for this coverage is The Standard Insurance Company.