Long Term Disability Insurance

Long Term Disability is available to employees who are regular 80% time or more. Employees who enroll in the optional long term disability insurance will have a salary replacement benefit available after a waiting period.

The state offers short-term disability and long-term disability insurance to full-time central state government, state higher education and state offline agency employees through MetLife. For additional information, please visit the State of Tennessee designated web page for disability coverage.

Disability insurance helps cover your living expenses by protecting a portion of your pre-disability income lost due to sickness, pregnancy or as a direct result of accidental injury. All parental leave, sick leave, annual leave and comp time must be used before benefits are payable.

Members pay the full monthly premium for short-term disability insurance coverage. The state pays the full monthly premium for long-term disability insurance option 3 for eligible central state government and state higher education employees. Eligible central state government and state higher education employees will pay the full monthly premium if they choose to enroll in long-term disability insurance options 1, 2 and 4. State offline agency employees should consult with their agency benefits coordinator about premiums.

For central state government and state higher education employees, member paid premiums for long-term disability options 1, 2 or 4 adjust as of October 1 each year if your salary is greater on September 1 compared to the prior September 1, or if you move into a higher age bracket.

Human Resource Services 

Middle Tennessee State University 
2269 Middle Tennessee Boulevard 
204 Sam H. Ingram Building 
Murfreesboro, TN  37132-0001