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Highlights of the Long Term Disability Plan:How to Enroll:Frequently Asked Questions:
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Voluntary Long Term Disability (LTD)

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Long Term Disability insurance provides financial assistance by replacing a portion of your income when you are unable to work for an extended period due to a covered medical condition. This coverage is designed to help you manage your financial obligations while focusing on recovery.

Please note that our LTD policy is voluntary, and participation is not automatic—you must opt in to take advantage of this benefit.

Highlights of the Long Term Disability Plan:

  • Provider: Our voluntary LTD policy is provided by MetLife.

  • Voluntary Enrollment: Participation in the Long Term Disability policy is voluntary. Full-Time employees interested in enrolling must opt in during the open enrollment period or following a qualifying life event.

  • Benefit Amount: 60% of pre-disability earnings, up to $5,000 per month.

  • Cost: $0.176 per $100 covered benefit.

  • Elimination Period: There is a 180-day elimination period between the onset of an injury or illness and the receipt of benefit payments from the insurer.

  • Eligibility: This benefit is available to all Full-Time employees.

How to Enroll:

Voluntary LTD offers two enrollment opportunities:

  • At the time of hire or when you become eligible for benefits, you will have 30 days to enroll in the voluntary LTD online in Justworks.

  • If you’d like to sign up after the 30-day window has closed, you can contact our support team at 1-888-534-1711 or support@justworks.com and request a paper enrollment. Enrolling outside the 30-day online window requires a statement of health to be completed, and your application is subject to rejection by our provider, MetLife. If you enroll within the 30-day window, you will be automatically approved for coverage.

Frequently Asked Questions:

  • Can I cancel my voluntary STD policy at any time?

    • Yes, you can cancel your policy at the end of any month of coverage. To cancel your policy, please contact our support team at 1-888-534-1711 or support@justworks.com.

  • If I leave Nourish, will my voluntary LTD benefit end?

    • Yes, the voluntary LTD policy will terminate on the last day of the month following your termination date.

Voluntary Long Term Disability Insurance.pdf
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