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Termination of LTD Benefits

LTD benefits continue for as long as you meet the LTD plan’s definition of disability. The maximum duration of benefits is Social Security Normal Retirement Age (SSNRA). However, if you are between 61 to 69 years of age on the date the disability begins, then the maximum benefit duration is 5 years. If you are over age 70 or over on the date the disability begins, then the maximum benefit duration is 12 months.

More Information

For more information about your coverage, please contact your human resources associate.


The Benefits Management Team of the Iowa Department of Administrative Services developed this website to provide you with information about your benefit options, and serve as a valuable resource for information about your benefits.  The benefits described at this website are subject to change.  Nothing herein shall be construed as a guarantee of benefits.  This website is not a complete description of the State of Iowa’s benefit plans.  Nothing on this website supersedes or changes any of the terms and conditions of any plan documents, insurance policies, or other legal agreements.  If the wording in this website contradicts any plan documents, laws, regulations, administrative rules, insurance policies, or other legal agreements, the wording in the official documents and agreements will govern.

If you have any questions, please contact your Human Resources Associate.