Long Term Disability

Most regular employees* that work 20+ hours per week are provided with Long Term Disability (LTD) Insurance (PDF). LTD is disability income protection insurance that provides a benefit for "long term" disabilities resulting from a covered injury or sickness. If you become disabled, and are approved for LTD, this benefit combines with other sources of income to replace 60% of your covered monthly earnings (up to a maximum of $7,500 per month) after a 90 day waiting period.

Certificates of Insurance

For a comprehensive list of exclusions, limitations, and any applicable benefit offsets, please review the Certificate of Insurance:


It is the claimant's responsibility to complete the claims process. Refer to the LTD Claims Guide and checklist (PDF) to help you through the claims process. Submit the LTD Claim Form (PDF) and all required documentation to Reliance Standard.

Contact Information

Coverage is through Reliance Standard Life Insurance Company:

  • Customer Service: 800-351-7500, ext. 4171
  • Fax: 267-256-3519
  • Claims Mailing Address: P.O. Box 7749, Philadelphia, PA 19101-7749

*Exclusion: Airport Firefighters and members of the DSA and SOMT are not eligible for this plan, as they have other coverage negotiated through their union.