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Human Resources

Long Term Disability Insurance

home healthThe State of Iowa's long term disability (LTD) insurance plan provides monthly benefits if you have an illness or injury that prevents you from performing your own occupation

notice bulletMembers of the General Assembly and part-time employees of the General Assembly, contact your personnel assistant for life insurance information.
bulletLife insurance coverage is not available for Regents employees.

LTD Resources

State of Iowa Group LTD Insurance book
FMLA and Extended Illness, Long Term Disability and Death
Other Disability Resources



Long term disability insurance is provided by The Hartford.
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You are eligible for the state's LTD insurance coverage if you are a probationary or permanent employee who works 30 hours or more per week.

If you are a new employee, coverage is effective the first day of the calendar month following the completion of one month of continuous employment in an eligible class.

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The State pays the entire premium for your LTD insurance coverage.

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A disability is a condition that means you cannot perform the regular duties of your occupation and your monthly earnings are less than 80 percent of your pre-disability earnings. Twelve months after you meet the definition of disability, you must be unable to engage in any gainful occupation for which you are suited by education, training or experience in order to continue to receive disability payments.

Disability determinations are made by The Hartford and must be medically supported. Limitations and exclusions (i.e. pre-existing conditions, mental/nervous/substance abuse, etc.) may apply in certain situations.

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Elimination Period

You must be disabled through your elimination period. The elimination period is the longer of:

  • 90 working days (720 work hours) or
  • Until all sick leave is exhausted, whichever comes later.
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Long Term Disability Benefit

If you become disabled, the LTD plan will replace a portion of your pre-disability earnings. The plan’s coverage offers a benefit of up to 60 percent of up to $60,000 of your annual base earnings. Base earning is your regular rate of pay and does not include overtime pay or other extra compensation.

  LTD Benefit
Minimum Monthly Benefit $50
Maximum Monthly Benefit $3,000


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More Information

More information about health insurance is available in IowaBenefits.

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Updated 12/09/2013

This website describes the benefits in effect on January 1, 2014. This site does not meet the requirements of a summary plan description and is not intended to serve as one.  If there are discrepancies between this information and any of the plan documents or State of Iowa policies, the plan documents or State of Iowa policies will govern in all cases.  The benefits described on this website are subject to change.  Nothing herein shall be construed as a guarantee of future benefits.