If you can't work for an extended period of time due to a medical condition, long-term disability coverage can help make up lost income. And help you pay your bills.
Other important information:
Your plan summary explains the details of your plan.
Five states have state-mandated disability plans. The states are California, Hawaii, New Jersey, New York and Rhode Island. Puerto Rico also has state-mandated disability. If you work in one of these places, you may qualify for this benefit. Check with your employer for more information.
Your long-term disability plan also may include:
Talk to your benefits administrator to find out which Aetna disability insurance plans and services are available to you.
*It is important to understand the specific definition of disability in your plan and that it may change depending on how long you are disabled. For example, some plans may pay long-term disability benefits for 24 months based on whether the employee is unable to perform his or her “own occupation.” After 24 months, the definition of disability changes and the plan pays long-term disability benefits based on whether that employee is unable to perform “any occupation.” Please read your plan summary carefully.
Not all benefit plans are available to all members. If you do not know which benefits are available through your Aetna disability plan, and for a complete list of exclusions and limitations, please contact your benefits administrator.
Disability insurance plans/policies are offered and/or underwritten by Aetna Life Insurance Company (Aetna).