Long-Term Disability
About the Plan
UNM offers Long-Term Disability (LTD) insurance to most active benefits eligible employees.
Review the Eligibility webpage for more information
If illness or injury leaves you unable to continue working, LTD insurance through The Hartford, replaces a portion of your income due to the occurrence of total disability.
- Long-Term Disability covers up to 60% of your pre-disability earnings if you are unable to work due to a disability caused by an accident or illness. Disability payments are available once you have been disabled for 180 days.
Long-Term Disability is a voluntary benefit and UNM contributes toward your cost of the contribution of LTD insurance.
Refer to Long-Term Disability Plan Highlights for more information.
Plan Documents
- FY27 Rates
- FY26 Rates
- Long-Term Disability Plan Highlights
- Limitations & Exclusions
- Enrollment Form
- Certificates of Insurance are available upon request.
When and How to Enroll
First, verify your eligibility.
Next, you may take advantage of these three enrollment opportunities:
- When you are newly hired or newly eligible for benefits.
- When you experience a Qualifying Change in Status
- During the annual Open Enrollment period, typically held in April/May.
During Open Enrollment, complete the Open Enrollment Life, Disability, and AD&D Web Form available through LoboWeb to enroll or make changes.
Enroll or make changes by completing The Hartford Enrollment Form.
Submit your completed Form to Benefits & Employee Wellness via Secure Document Upload or fax to 505-277-2278 within 60 Calendar Days of your newly benefits-eligible position or your Qualifying Change in Status Event.
Note: If you separate from employment, termination of coverage will occur.
Is Your Benefit Coverage Ending?
If your Basic Group Term Life, Supplemental Life, Spouse/Domestic Partner, Child Life or LTD coverage is ending and you would like to continue coverage under Portability and Conversion with The Hartford, generally, you must return the completed Notice of Continuation form to The Hartford within 31 days after your group coverage terminates, or 15 days from the date the employer signs the form, whichever is later. (This period may be limited to 91 days after group coverage terminates.)
Documents