Long-Term Disability Insurance

Massachusetts Group Insurance Commission (GIC)

The MA Group Insurance Commission offers eligible employees a LTD (long-term disability) insurance plan that provides 55% tax-free income replacement after a disability of 90+ days - GIC Long-Term Disability Overview. Premium information is provided in the GIC Benefits Decision Guide.

How to Apply

Eligible employees may enroll for coverage upon hire into a benefitted position with coverage, effective the first day of the month following 60 days of covered employment.

Applications for GIC LTD insurance requested after initial employment are reviewed based on a medical evidence of insurability information and may be denied on that basis. The premiums (based on amount of coverage and employee’s age) appear in the GIC Benefits Decision Guide. You may apply for the coverage by completing a GIC Benefit Decision Guide Form and returning it to the Employee Service Center.

Massachusetts Optional Retirement Program (ORP)

Members of the Massachusetts Optional Retirement Program (ORP) are provided a Long-Term Disability (LTD) insurance plan as part of that benefit. ORP members should carefully consider the value of purchasing GIC LTD coverage as benefits paid under the ORP plan can significantly reduce or eliminate GIC LTD payments: MA ORP GIC Disability FAQs.