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Long-Term Disability

Symetra will continue as the Okaloosa County School District's Long Term Disability insurance provider for 2019. 

Employees who elected LTD coverage for the calendar year 2018 will automatically be enrolled in the same coverage for the calendar year 2019. Employees who would like to enroll or make changes for 2019, you must go online at

All employees may elect to participate in the Voluntary (employee paid) Long Term Disability Insurance program but will be subject to medical underwriting. This plan will pay 60% of your monthly salary up to $6,000.00 after 90 or 180 days of disability. Board-paid Long Term Disability coverage is available to employees who do not elect the district provided medical insurance.

Long-Term Disability is available as a Board-paid benefit to those employees who do not enroll in the district provided medical insurance plan. This plan will pay 66.66% of your monthly salary up to $3,000.00 after 90 days of disability. All benefits-eligible active employees not enrolled in the employer-sponsored medical plan may enroll in Long-Term Disability.

What are the Voluntary Long-Term Disability Plan benefits?

If you become disabled, benefits begin after 90 days or 180 days of total or partial disability. Symetra Life Insurance Company will pay your benefit to you while you are disabled under the terms of the policy. The disability income monthly benefit will be 60% of your salary to a maximum of $6,000 per month. The minimum monthly benefit is $100.

The maximum payment duration extends to Social Security Normal Retirement Age, SSNRA, the age at which you are eligible for Social Security full retirement benefits. Mental Illness/Substance Abuse limitation is 24 months per occurrence. Pre-existing Conditions Limitation: 3/12.

Standard Provisions:

  • Maternity is covered as an "other condition"
  • Accumulation of the elimination period
  • Six-month recurrent disability/temporary recovery. * Certain restrictions apply.
  • Waiver of Premium
  • Cost of Living Freeze
  • Workplace Modification
  • Vocational Rehabilitation
  • Social Security Assistance
  • Continuity of Coverage
  • Personal Care
  • Survivor Income





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