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Long-Term Disability

If employees are receiving payment from the short-term disability (STD) plan and the claim is approaching the end of the five-month STD period, Liberty Mutual will automatically transition the disability claim to the long-term disability (LTD) plan to determine if they are eligible to collect additional benefits.

The plan pays 66 2/3 percent of pay if employees continue to be disabled after 180 days or the end of STD payments. While employees are receiving LTD benefits, they are not required to pay the cost for LTD. The deduction automatically begins again once an employee returns to work.

Employees may continue to participate in the health insurance, dental insurance, and other optional benefit programs if the plans allow such participation. Employees must pay the full cost for these benefits.

All new employees are automatically enrolled in the IDM program on the first day of the month after their hire date.

Since FCPS employees pay the entire cost for the LTD plan, benefit payments from the plan are not taxable. The premium is deducted from the pay each pay period.