Employer-Provided Plan

If your employer provides long-term disability insurance as a benefit, you may receive a portion of your covered compensation, up to the maximum monthly benefit amount.

Your benefit is taxable because your employer pays the premium.

Additionally, your benefits will be reduced if you receive:

  • Workers’ Compensation
  • Disability benefits from your state
  • Social Security
  • A settlement pertaining to your disability
  • Pension benefits

If your employment ends, you may be eligible to convert your coverage, as long as you have been insured for at least 12 months. Submit an Application for Conversion of Long-Term Disability Insurance and your first quarterly premium to Zurich American Life Insurance Company within 31 days of your last day of work. 

To learn more:

  • See Long-Term Disability Publications for detailed Summaries of Benefits for all long-term disability plans
  • Call Client Services at (866) 802-6333, Monday – Friday, 8:30AM – 8:00PM ET (excluding holidays)

 

 

Policy Number: CNYEX01112
Disability Insurance Disclaimer