Left Navigation


Receiving Benefits

You will begin receiving benefits if you have been unable to work for 12 months because of illness or injury, are under a physician's care, and your claim has been approved by Liberty Mutual*. A representative from Liberty Mutual may periodically review your claim while you are receiving benefits. You will continue to receive benefits as long as Liberty Mutual determines that your disability continues, depending on your age at the time you become disabled.** Initial and ongoing disability determinations are made by Liberty Mutual after evaluation of your medical records.

If at the time of disability you are:

  • Under age 60: you may receive benefits until you reach age 65
  • Age 60 – 64: you may receive benefits for up to 5 years
  • Age 65 – 69: you may receive benefits until you reach age 70 (but not less than one year)
  • Age 70 or older: you may receive benefits for one year

Benefits are taxed if the premium is paid fully or in part with pre-tax dollars, regardless of whether your employer pays the entire premium.

Pre-Existing Conditions

Don't wait until you need coverage to make sure you'll be taken care of in case of an emergency.

You will not receive benefits if you’re disabled during the first year of coverage as the result of a pre-existing condition (for which you received medical services or took medication in the three months just before your coverage began).

For more information on receiving Long Term Disability Insurance benefits:

* Liberty Life Assurance Company of Boston

** For claims occurring on or after January 1, 2016, your claim will be administered by Liberty Mutual. For claims occurring on or before December 31, 2015, your claim will be administered by First Unum Life Insurance Company of America.

Disability Insurance Disclaimer

Right Rail

Need Help?

Call us at (866) 802-6333
Monday – Friday
8:30AM – 8:00PM ET
(excluding holidays)