Depending on your household budget, you may need additional disability coverage. To help you increase your disability protection, ATD has negotiated a special rate that allows eligible associates to purchase additional Long-Term coverage at an affordable cost. Buy-Up LTD provides benefits of up to 60% of your average monthly base pay until you are no longer disabled or until you reach the Social Security normal retirement age. The maximum monthly payment is $15,000. LTD benefits may begin after six months of continuous disability.
Newly eligible associates and those who previously declined coverage, will need to submit Evidence of Insurability for coverage approval.