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.

 

Benefits of long-term disability

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.

 

Plan tools

If you have employee-paid long-term disability coverage from Humana, take advantage of these resources.

Access your benefit information online

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

Service and claims forms

Commonly used forms

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