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Long-Term Disability (LTD) Insurance

Provides paycheck insurance in the event you can't work.

If you suffer a disabling injury or illness, you may be unable to work for an extended period of time. Hertz offers you optional income protection coverage under the Long-Term Disability (LTD) plan. The plan pays you a percentage of your salary if you continue to be disabled and unable to work after exhausting your Short-Term Disability (STD) benefits.

How it Works

LTD replaces a portion of your basic monthly earnings if you become disabled due to illness or injury. You may elect to pay for LTD coverage with after-tax contributions or pre-tax contributions. When you elect to pay with after-tax contributions, your LTD benefit is provided without income tax. If you choose LTD coverage on a pre-tax basis, any benefit payable to you will be subject to income tax.

You're eligible to receive LTD benefit payments after you have been disabled for 180 days on an approved period of STD. Your benefit will be a percentage of your base pay at the time you became disabled depending on the option elected and subject to benefit minimums and maximums. Your LTD benefit will be reduced by benefits you receive or are eligible to receive from other sources, such as Social Security and workers' compensation.

Benefits will continue for the maximum benefit period, provided you remain disabled.

Evidence of Insurability

Evidence of Insurability (EOI) is how you prove your good health to MetLife.

If you're a new hire and enroll in LTD for the first time, you can elect either coverage option without EOI.

If you're a current employee and you choose to change your LTD coverage to Option 2 (either during Open Enrollment or because of a qualified life event), EOI will be required.

Learn more in the Long-Term Certificate found in the Document Library.

Filing a Claim
  • You may file a claim for disability benefits at any time after you know you'll be absent from work for seven consecutive days or more due to an illness or injury.
  • You must provide proof of your disability when you file a claim.
  • You'll receive disability pay for the period of your disability, minus the waiting period, if your claim is approved.
  • If your claim is denied, you have the right to appeal.

You may file a disability claim by telephone or online. For more information about LTD coverage, click here.

Please refer to the Hertz Custom Benefit Program Summary Plan Description (SPD) for complete benefit details.



Plan Options