Long Term Disability

Long-term disability provides you and your family with protection from loss of your income if you become unable to work because of an accident, illness or injury. The Retirement Income Protection protects ongoing contributions to your retirement plan in the event of your disability. See Long-Term Disability Plan document for more information.


Your premiums are determined by your gross salary and by whether you choose only the long-term disability coverage, or you elect to include the Retirement Income Protection (RIP), formerly know as Annuity Premium Benefit (APB), as well.

Premiums For LTD and Retirement Income Protection
Coverage Monthly
Long-Term Disability $.187
Annuity Premium Benefit $0.089

Retirement Income Protection

This is an optional coverage that is available with the LTD program. If you become disabled and qualify for long-term disability payments, the Retirement Income Protection (RIP) would continue contributions to a retirement plan for you. The contribution will be equal to 14.29% of your pre-disability income and is available to participants in both the State Employee's Retirement System (SERS) and the TIAA retirement plans.