Long-Term Disability Insurance

long term disability

Long-term disability (LTD) insurance from CareFirst can provide a monthly income benefit to help maintain financial stability during an extended period of disability.

With CareFirst long-term disability, employees benefit from:

  • Step-by-step assistance with the filing process
  • Option to submit claims by phone, email, fax or mail
  • Return-to-work assistance and rehabilitation programs

Benefit offerings include:

  • Non-contributory, contributory, voluntary and gross-up plans available
  • Total, partial and residual definitions of disability available
  • Benefits can be a percentage of salary or a flat dollar amount
  • Rehabilitative employment provision provides an incentive for employees to work if they are able
  • Additional provisions, such as survivor income benefit, workplace modification and family care credit

Contact your CareFirst representative to request more information about CareFirst's long-term disability products.