Long Term Disability (LTD)

The City has several programs that provide City employees with income when a disabling injury or sickness prevents them from working. The City provides benefits through a sick leave, pension disability or terminal leave benefit. In addition, the City also has the Long Term Disability (LTD) program. This program provides up to 60% of pre-disability income after employees exhaust their accrued sick leave, have completed the benefit waiting period, and are still unable to return to work because of a disabling injury or illness.

For questions, call 414-286-2178 or email sfoxwo@milwaukee.gov.

• Information Booklet
• LTD Buy-up Enrollment/Change Form
• Buy-Up Rate Chart
• LTD Certificate of Insurance

File an LTD Claim

You can file a paper claim with Sun Life via fax or mail, or you can submit your claim online.  To file a paper claim with Sun Life, visit www.sunlife.com/us under Client Support, select Find a Form, then Long Term Disability.  You will need an Employer Statement (XGR/1640), Employee Statement (XGR/1641), and Attending Physician's Statement (XGR/1642).  The City's policy number is 923463.  Sun Life will ask for information about your doctor, your income, and your condition, and may also require medical records and a form from your doctor about your condition and expected recovery.  You can submit these forms via fax or mail.

To file a claim online, visit www.sunlife.com/us, under Help with claims, select Submit a disability claim.

• City of Milwaukee Employee LTD Claim Application
• City of Milwaukee Employer LTD Claim Application
• City of Milwaukee Physician LTD Claim Application

Eligibility

• New general city employees are not eligible for Long Term Disability until they have completed 6 months of employment (excluding a Leave of Absence).  Once eligible, employees will receive a letter from the Department of Employee Relations (DER) confirming their enrollment in Long Term Disability coverage and informing them they they are eligible to purchase buy up coverage..
• Reinstatements (rehires) returning to City service within 90 days of leaving are eligible immediately.  Anyone returning after 90 days becomes eligible after 6 months. 
• Employees going from seasonal to regular employment status become eligible effective the date they become regular and should contact DER 414-286-2178 at that time.
• Employees going from a non-benefit status to a benefit employment status become eligible 6 months after they changed to benefit status. Employees will be contacted by DER at that time.

Return to Work Part Time Policy

If an employee is receiving LTD Benefits and returns to work part-time, the employee is not required to contribute the premium for the LTD Buy-Up Benefit. At that time the employee’s LTD Buy-Up enrollment is waived until the employee returns to work full time and submits a new LTD Buy-Up enrollment form. It is the employee’s responsibility to contact the Department of Employee Relations, Employee Benefits Division at 414-286-3184 or 414-286-2178 when they return to work part time or full time.

• LTD Administrator:  SunLife Financial (1-800-247-6875)
• Website: www.sunlife.com/us