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Employer-paid long-term disability benefit increases to $450/month for future claims; life/AD&D unchanged
Summary
Debbie said employer-paid LTD will increase its benefits formula for claims starting on/after Jan. 1, 2026 (60% of first $750/month, raising the maximum employer-paid benefit to $450/month). There are no rate or benefit changes for life and AD&D for 2026, though supplemental life premiums can rise when employees hit new age brackets.
Debbie told attendees there are no rate or benefit changes for PEP life and AD&D insurance for 2026, but noted that when employees reach a new age bracket premiums for supplemental life will increase effective Jan. 1 following the birthday.
On long-term disability (LTD), Debbie said employer-paid LTD will improve for future claims: the benefit will pay 60% of the first $750 per month in earnings, increasing the employer-paid maximum to $450 per month for claims whose 90-day waiting period begins on or after 01/01/2026. Debbie added that employees already in the 90-day waiting period when 2026 begins will not receive the higher amount for that claim.
