Click here for a printable summary overview of your LSS Disability benefits in 2025.

Basic LTD: As a benefits-eligible employee, LSS provides you complimentary Basic Long Term Disability (LTD) benefits at 50% of your salary (up to $5,000 per month) at no cost to you after one year of FT employment, if you become disabled and unable to work for 90 or more days.  Coverage becomes effective the 1st day of the month following 12 months of FT employment.

 LTD coverage provides protection against the loss of your income in the event a disability prevents you from working and earning income for an extended period of time. Eligibility to receive benefits begins after you have been away from work for 90 days, due to an illness or injury. Maximum monthly benefit is $5,000.

After satisfying 1-year of continuous full-time or weekend option employment, all premiums are free to the employee and paid 100% by Lutheran Senior Services. Long term disability provides 50% of your regular pay after a 90-day elimination period has been satisfied.

Voluntary LTD Buy-Up: For 2025, LSS will offer the option to purchase a Voluntary Long Term Disability Buy Up option that will increase your LTD benefit from 50% up to $5,000/month to 60% up to $12,000/month.

To calculate your own LTD Buy-Up premium, take your annual earnings, and divide it by 12 to get your monthly earnings (round it up to the nearest $100 mark) .   We’ll call this number “A”.  Then divide the rate of $0.65 by 100, and we’ll call that number “B”.  Then take “A” and multiply it by “B”, and that will provide you your monthly premium.

• To file an LTD disability claim, please follow the instructions here: Filing an LTD claim

• For additional information, please see the following summary of benefits: 2024 Long Term Disability - Summary of Benefits

  2025 Long Term Disability & Buy Up - Summary of Benefits

  LFG-LSS Disability Insurance Certificate of Coverage (2025)

  LFG-LSS Disability Insurance Policy (2025)