Health Care & Benefits Division

Long Term Disability (LTD)

Long Term Disability (LTD) is an insurance plan that pays a monthly benefit to you if you cannot work because of a covered illness or injury. This benefit replaces a portion of your income, helping you with financial costs in a time of need. Blue Cross Blue Shield of Montana provides the LTD insurance coverage for the State of Montana. 

LTD is available to active employees who are enrolled in the Medical Plan. Retirees, Legislators, and COBRA participants are not eligible to participate. New hires may enroll within 31 days of date of hire without Evidence of Insurability (EOI). Enrollment at any other time requires EOI.   

Evidence of Insurability (EOI): Also known as “evidence of good health” is the process that determines if a person is healthy enough to be considered eligible for the amount of insurance coverage they are requesting.


2023/2024 Long term disability rate

$8.46 per employee per month regardless of age or income level. 

The premium will be taken from your pay after tax in order to maximize the benefit should you ever need it. By paying LTD premiums after tax, benefit can be paid out tax free.


Benefit Amount

The monthly LTD benefit is 60% of your insured pre-disability earnings—the amount you were earning before you became disabled—reduced by deductible income.


Benefit Duration

If you become disabled and your claim for LTD benefits is approved, LTD benefits are payable after you have been continuously disabled for 180 days and remain continuously disabled. LTD benefits are not payable during this benefit waiting period. 


Claiming Benefits

BCBSMT offers the ability for you to submit and manage your LTD claims online through its self-service tool, My Benefits

Click for more information on how to register and submit LTD claims


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