2027 Long-Term Disability Insurance

Long-Term Disability (LTD) Insurance rates for Jan. 1, 2027 through December 31, 2027. Information for all full-time employees (including Food Services C-Schedule) about enrollment, premium calculations, and contacts.

Long-Term Disability Insurance helps cover your day-to-day living expenses when you are not able to work for an extended time due to a covered illness or injury. If you face a serious illness or injury, Long-Term Disability Insurance can help you avoid serious financial trouble during a stressful time. 

The Hartford Long-Term Disability Rates 

How to Calculate Rates

How to Enroll in Long-Term Disability Insurance Coverage

If you are outside of the new hire enrollment window (beyond 60 days), you may enroll in LTD insurance (subject to Evidence of Insurability-EOI) by following these steps: 

1. Email Employee Benefits with a request for LTD coverage, and a Benefits Specialist will email you back to get the necessary information: employee.benefits@aps.edu
2. You will receive an email from The Hartford within 7-10 business days to complete a Personal Health Application needed for Evidence of Insurability (EOI).
3. Complete the form within 60 days. Once your Personal Health Application for EOI is submitted, you will receive an acceptance or decline notification from The Hartford.
4. Please contact the APS Employee Benefits office immediately after you receive your approval notification. APS will assign an enrollment form in your Winocular WorkSpace, which you must complete as part of this process.
5. LTD coverage begins on the first of the month following approval of the EOI. 
6. Employees are required to complete the APS LTD enrollment form via their Winocular WorkSpace to finalize the LTD enrollment process.