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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 optional income protection coverage under the Long-Term Disability (LTD) plan.

How it Works

LTD replaces a portion of your basic monthly earnings if you continue to be disabled and unable to work after exhausting Short-Term Disability (STD) benefits. Learn more about why coverage may be important for you.

You may pay for LTD coverage with after-tax or pre-tax contributions. When you elect after-tax contributions, any LTD benefit is not taxed. If you choose LTD coverage on a pre-tax basis, any benefit is subject to income tax.

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

Benefits continue for the maximum benefit period, as long as you remain disabled.

Evidence of Insurability

Evidence of Insurability (EOI) is how you provide proof of good health to MetLife.

  • If you're a new hire and enroll when first eligible, you can elect either coverage option without EOI.
  • If you're a current employee and enroll after you are first eligible or change your coverage, EOI is required.

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

Filing a Claim
  • You may file a claim for disability benefits —by telephone or online — 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.
  • 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.

See the Summary Plan Description (SPD) for complete benefit details.


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