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A Member's Guide to Long Term Disability

​​​​Updated May 2021

This guide provides valuable information about Long Term Disability, including plan terms, filing a claim, two definitions of disability in the LTD plan, Member Interview, reasonable and customary treatment, tips for a successful claim, appealing claim denials/terminations, tips for a successful appeal, and the type of assistance ETFO can provide once an appeal has been denied. It is in the best interest of members if this document is fully reviewed prior to the member making an LTD application.

The booklet is available for download: PDF and Word.