Massachusetts Optional Retirement Program Long-Term Disability Insurance

Long-term disability insurance (LTDI) provides partial income replacement to a covered individual who is disabled from working due to illness or injury. LTDI benefits have a monthly maximum income replacement and can be offset by receipt of income from other income sources.

The Massachusetts ORP provides LTDI to active ORP participants at no cost to the employee. This benefit provides a monthly income benefit during periods of disability. Additionally, the plan continues contributions to your retirement account while you are receiving monthly income benefits; helping to ensure an adequate retirement income after disability income ends, typically at age 65.

The ORP LTDI plan replaces sixty percent (60%) base salary income replacement up to a maximum of $10,000 per month. The benefit is offset by income from other sources including GIC LTDI benefits.

Please visit the Dept. of Higher Education's ORP LTDI website for detailed plan information.

Please note: an LTD insurance company can deny benefits if a claim is not filed timely. Please refer to the LTDI policy document for detailed information.

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