Long-Term Disability Overview
If you have a prolonged disability due to an injury or illness, long-term disability (LTD) insurance helps keep a roof over your head, maintain some daily routines, and pay monthly bills.
Long-term disability insurance kicks in once your short-term disability benefits run out. The policy reimburses up to 66 2/3% of your income. The percentage and length of payment vary by employer. In addition, your employer's LTD plan may include return-to-work support and rehabilitative services. These services are designed to help you realize the goal of recovery and a return to independent, productive work.
When you have a group long-term disability plan, your employer may pay part of the premium.
If you have employee-paid long-term disability coverage from Humana, take advantage of these resources.
Sign in at the website for KMG America, a Humana company: Member sign in
If you have questions, or if you have trouble signing in to the secure website, call our Customer Care specialists toll-free: 1-877-378-1505 Monday – Friday, 8 a.m. – 5:30 p.m., Eastern time
* This webpage is not a complete disclosure of plan qualifications and limitations. Before applying for coverage, please refer to the Regulatory Pre-enrollment Disclosure Guide for a description of plan provisions which may exclude, limit, reduce, modify or terminate your coverage.