Long-Term Disability Insurance

Protect Your Paycheck & What You Love About Life

A serious illness or injury can turn your life upside down for months—or even longer—and it might, also, mean you aren’t able to work. If this happens, Long-Term Disability (LTD) insurance may give you the financial support you need so you can focus on getting better. Sun Life’s Long-Term Disability insurance, made available through the PEF Membership Benefits Program, is available to help you return to work and your normal routine as quickly as possible.

Long-Term Disability Insurance Features


You may be eligible for Long-Term Disability insurance as an active, dues-paying PEF member.

PLEASE NOTE: Restrictions apply for hourly members and per diem members are not eligible for coverage. NYS employees are not eligible for NYS Disability Benefits Law Coverage, therefore this insurance program may be of interest to you. Without this insurance, you may have to use your sick time, vacation time, and even put your paycheck at risk if you are out of work for an extended period of time.

How it works

Long-Term Disability insurance provides you with a monthly benefit if you are unable to work for an extended period of time due to a covered disability. Most of us think nothing of insuring our cars, homes, and other valuables. But many of us overlook protecting our most valuable asset, or ability to earn an income. The definition of disability is the inability to engage in the material and substantial duties of your own occupation during the first two-and-a-half years that benefits are payable. Thereafter, disability is the inability to perform any occupation for which you are or can become qualified for by training, education, or experience.

Coverage amount

The Long-Term Disability plan offers two levels of coverage from which you can choose: 50% or 60% of your monthly income based on the salary on file at the time of disability, up to $7,500 per month. Your LTD benefit will be based on your monthly income, and it will not take into account earnings from investments or savings plans. The plan will offset benefit payments by other sources of income for which you may be eligible. Examples are workers’ compensation; Social Security (Primary and Family source); disability pension or any New York state retirement payments; any other group benefits for disability, retirement, or unemployment; and benefits from your sick pay program (these will offset benefits payable under this LTD plan only when combined benefits exceed 85% of your income). Your LTD benefit payments will not be reduced if Social Security benefits increase for general cost of living adjustments. Regardless of how much in other benefits you may be eligible for, your LTD benefit will not be less than $200 a month.

Available benefit amounts and costs based on a 26 bi-weekly pay period

Important points to consider

  • Receive a monthly check—after your claim is approved—that replaces 50% or 60% of your monthly income based on your salary on file at the time of disability, up to $7,500 a month, while you recover from a covered disability.
  • Begin receiving benefits in as soon as six (6) months from the date you are unable to work. Receive a monthly benefit for up to the maximum benefit period or Social Security Normal Retirement Age if you are disabled before age 60—as long as you are still unable to work due to a covered disability. If you are disabled after age 60, you are eligible to receive a monthly benefit from one year to five (5) years, depending on your age.
  • No Long-Term Disability benefit will be payable to you for any disability that results from a pre-existing condition. A pre-existing condition is one for which you took medication or received treatment during the six (6) months before your effective date, or the effective date of an increase in your insurance. The exclusion applies only during the twelve (12) months (six (6) months for members age 65 and older) following your effective date.


No Long-Term Disability benefit will be payable for any Total or Partial Disability that is due to:

  • intentionally self-inflicted injuries;
  • war declared or undeclared or any act of war;
  • your active participation in a riot or insurrection; or
  • your participation in a felony.

Additional Long-Term Disability Benefits

Survivor income benefit

A three-month Survivor Income benefit that pays a lump sum equal to three times your monthly benefit after Total or Partial Disability has continued for at least 180 consecutive days and while you are eligible to receive a monthly benefit.

Residual disability

You do not need to be Totally Disabled during the Elimination Period. You can be Partially Disabled during the Elimination Period and still working, earning less than 80% of your pre-disability earnings.

Return-to-work benefit

The plan pays a Return-to-Work benefit if you return to work on a part-time basis. Your part-time earnings and partial benefit combined may equal up to 100% of your pre-disability earnings for the first twelve (12)  months of disability.

Assisted living benefit

Pays an additional 20% of total monthly earnings or $5,000, whichever is less, if you are disabled and are also cognitively impaired or unable to perform two or more activities of daily living. This benefit is not offset by other benefits.

Retro disability benefit

Pays benefits retroactively to the first day of disability if you are continuously hospitalized for fourteen (14) day or more at the onset of disability and remain disabled at the end of the Elimination Period. The benefit is paid in a lump sum and is not offset by other benefits.

Rehabilitation benefit

Pays a Rehabilitation benefit if you participate in a rehabilitation program approved by Sun Life. Under this benefit, the disability benefit payable is increased by 10% for up to twelve (12) months.

To learn more about Long-Term Disability insurance, call the PEF Membership Benefits Program at (518) 785-1900, ext. 243, opt. 2, or (800) 342-4306, ext. 243, opt. 2.

LTD Brochure

View Cristie’s Sun Life Story.

How to Enroll

For new employees on the job less than 240 days

If you are a new employee (on the job less than 240 days) in the PS&T (Professional, Scientific & Technical) unit, you may enroll with no medical questions asked¹. If we do not received your insurance application(s) within 240 days of your date of hire with the PS&T unit, you can still enroll in the insurances, but you will need to also complete a Medical Questionnaire/Evidence of Insurability.

Current employees (on the job more than 240 days) in the PS&T unit

If on the job more than 240 days, you must complete the long-term disability form as well as an Evidence of Insurability form.

You must join PEF before enrolling in any one or more insurances.

If you are still within 240 days from your date of hire, download "Within 240 Days of Hire Date". If past 240 days from your date of hire, download "Past 240 Days of Hire Date" and the EOI form. Mail form(s) to:

PEF Membership Benefits Program
10 Airline Drive, Suite 101
Albany, NY 12205

When an Evidence of Insurability Form is Needed:
1. If you did not elect insurance in your first 240 days of employment with the PS&T unit.
2. If you are increasing coverage on an existing insurance policy.
3. If a PEF MBP representative requests that you complete an EOI form.

For more information: Call the PEF Membership Benefits Program at (518) 785-1900, ext. 243, opt. 2, or (800) 342-4306, ext. 243, opt. 2. You may also email PEF Membership Benefits Program.

Footnotes, Additional Details & Disclaimers

¹If you decline coverage during your initial eligibility period and want to elect coverage or increase coverage at a later date, you are required to complete and submit an Evidence of Insurability application, which must be approved by Sun Life prior to coverage taking effect. For additional information, contact the PEF Membership Benefits Program.

²Keep in mind that other sources of income could impact your benefit amount. The rates shown above include the PEF Membership Benefits Program administrative fees.

This product web page is intended to provide an overview of the benefits available from the PEF Membership Benefits Program and is not a complete description of plan provisions. Review of this product web page does not certify eligibility for benefits under this plan. For complete plan details, including limitations and exclusions that may affect benefits, please refer to your certificate.

The group policy provides disability income insurance only. It does not provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Windsor, CT) under Policy Form Series 13-GP-LF-01, 13-LF-C-01, 13-GP-LH-01, 13-ADD-C-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 07-NYSL REV 7-12, GP-A, GC-A, 12-GP-SD-01, 13-SD-C-01, 12-GP-01, 12-AC-C-01, 12-GPPort-01, 13-LFPort-C-01, 13-ADDPort-C-01, 12-STDPort-C-01, 12-ACPort-C-01 and 13-SDPort-C-01.

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