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Disability Insurance

Employer-Paid Long-Term Disability Insurance

Some union contracts provide Long-Term Disability (LTD) Insurance. A long-term disability is an illness or injury that prevents you from working for an extended period of time. LTD insurance may replace part of your lost income by paying you directly on a monthly basis. LTD payments will be reduced if you qualify for other sources of income, such as workers' compensation or state disability benefits. LTD coverage begins the first day of the month following six (6) months of employment. For complete eligibility requirements, call New York Life at (800) 695-4226, Option #1, Extension #3.

Absence from Work and LTD Coverage

If you are not actively at work due to illness or injury, LTD coverage continues for 12 months from the start of your approved medical leave. If your coverage terminates during a period of disability, which began while you had coverage, benefits will be available as long as your period of disability continues. Make sure your portion of benefit premiums is paid.

Returning to Work

LTD programs can help you get back on the job when it’s medically safe for you to do so. You may be able to return to work part-time, or work at a different type of job. If you qualify, LTD can continue paying a portion of your benefits.

If You Become Disabled

If you become disabled, and you are eligible for long-notify New York Life of your disability as soon as possible, Monday through Friday, from 5:00 A.M. to 5:00 P.M., by calling (888) 842-4462. 

Within 30 days after the date of your disability, you should begin filing a long-term disability insurance claim with New York Life. New York Life will work with your doctor to certify that your illness or injury will keep you away from your job. 

2026 Plan Resources

  • NYL Employer-Paid Basic Long-Term Disability Insurance Summary

    Employer-Paid Basic Long-Term Disability Insurance Summary is a summary of the policy that can replace a portion of your income after a qualifying injury or illness. The benefit is paid directly to you and you determine how best to use this income replacement. It can help you pay for expenses to maintain your standard of living when you’re unable to earn a paycheck over an extended period.

    NYL Employer-Paid Basic Long-Term Disability Insurance Summary (640.89 KB)
  • 90-Day Elimination Period (Non-Contributory)

    66.6667% of monthly base earnings (as defined by Hartford) 
    $7,500 monthly maximum

    There may be a waiting period based on start work date.

    • San Francisco Municipal Attorneys Association
    • International Federation of Professional and Technical Engineers Local 21 (IFPTE local 21)
    • Superior Court of California, County of San Francisco- International Federation of Professional and Technical Engineers Local 21 (IFPTE local 21), Attorney Classes 311C, 312C, 316C and Professional Classes 0676, 355C, 353C, 354C, 375C, 0648, 0649 and 0655 
    • Superior Court of California, County of San Francisco-Unrepresented Professional, Classes 351C, 352C, 370C, 366C and 372C
    • Union of American Physicians and Dentists 8-CC and 11-AA 
    • Superior Court of California, County of San Francisco Court Reporters
    • Municipal Executives Association (Miscellaneous) 
    • City and County of San Francisco, Unrepresented Managers 
    • City and County of San Francisco, Elected Officials 
    • City and County of San Francisco, Unrepresented Contract Rte FBP 
    • City and County of San Francisco, Members of the San Francisco Board of Supervisors 
    • San Francisco Municipal Transportation Agency, Individual Employment Contract 
    • San Francisco Law Librarian and Assistant Law Librarian 
    LTD Union 021, 022, 023 Etc. - 90 day Non-Contributory (141.06 KB)
  • 180-Day Elimination Period (Non-Contributory)

    60% of monthly base earnings (as defined by Hartford)

    $5,000 monthly maximum

    There may be a waiting period based on start work date.

    • Bricklayers And Allied Crafts, Local 3
    • Building Inspectors’ Association, Classes 6334, 6331 and 6333
    • Carpenters Local Union 22
    • Carpet, Linoleum and Soft Tile Workers, Local 12
    • Hod Carriers, Local 166
    • International Alliance of Theatrical Stage Employees, Moving Picture Technicians, Artist and Allied Crafts of the United States, its Territories And Canada, Local 16
    • International Association of Bridge, Structural Ornamental, Reinforcing Iron Workers, Riggers and Machinery Movers, Local 377
    • International Brotherhood of Electrical Workers, Local 6
    • Local 718, Glaziers, Architectural Metal, and Glassworkers
    • Machinists Union, Local 1414, International Association of Machinists & Aerospace Workers, Machinists Automotive Trades District Lodge 190
    • Miscellaneous Unrepresented (Ordinance 158-98)
    • Operating Engineers Local Union No. 3 of the International Union of Operating Engineers, AFL-CIO
    • Pile Drivers, Divers, Carpenters, Bridge, Wharf And Dock Builders, Local Union No. 34
    • Plasterers And Cement Masons, Local 300
    • Plasterers And Shophands, Local 66
    • San Francisco City Workers United (Painters)
    • Service Employees International Union Local 250, Local 790 (Nurses), and Local 1021
    • Sheet Metal Workers Local 104
    • Superior Court of California, County of San Francisco - California Federation of Interpreters Local 39000
    • Superior Court of California, County of San Francisco - Service Employees International Union Local 1021 Clerical/Technical Workers
    • Superior Court of California, County of San Francisco - Unrepresented Clerical/Technical Workers
    • Teamsters Local 853
    • Teamsters Local 856 Multi-Unit
    • Teamsters local 856 & 858 (Supervising Nurses)
    • The International Union of Operating Engineers, Stationary Engineers Local 39
    • The Laborers International Union, Local 261
    • Transport Workers' Union Local 200
    • Transport Workers' Union Local 250A Multi-Unit, Classes 7410 and 9132
    • United Association of Journeymen and Apprentices of the Plumbing and Pipe Fitting Industry, Local No. 38
    • United Union of Roofers, Waterproofers and Allied Workers, Local 40
       
    LTD Union Codes 001, Etc. 180 day Non-Contributory (141.98 KB)
  • 90-Day Elimination Period (Contributory/Voluntary)

    66.6667% of monthly base earnings (as defined by Hartford) 

    $7,500 monthly maximum

    There may be a waiting period based on start work date.

    This is a voluntary benefit plan. The premium costs of this plan are the responsibility of the full-time Active Employees are represented by the organizations listed below; excluding temporary, leased or seasonal employees:

    • California Court Commissioners Association
    • City and County of San Francisco, Port Director
    • Municipal Executives Association (Police Chiefs, and Fire Chiefs)
    • Municipal Executives Association (Superior Court Of California, County of San Francisco)
    • Superior Court Of California, County of San Francisco, Unrepresented Management

     

    LTD 90 Union 351, 356, 196 Etc - 90 day Contributory (140.67 KB)