Long Term Disability Insurance

BlueCross BlueShield of Montana Contact Information

 

BlueCross BlueShield of Montana (BCBSMT) provides fully insured Long-Term Disability (LTD) insurance for the State Plan. LTD is an insurance plan that pays a monthly benefit to you if you cannot work because of a covered illness or injury. This benefit replaces a portion of your income, helping you with financial costs in a time of need.

Disability Resource Services are available to employees covered by LTD and their immediate family members, providing convenient resources and support for navigating emotional, legal, and financial challenges.

For complete details about Long Term Disability coverage, refer to the LTD Certificate at doa.mt.gov/HCBD/resources/publications.

Eligibility

Available to active employees who are enrolled in the Medical Plan. Retirees, legislators, and COBRA participants are not eligible. Enrollment any time after 31-day initial enrollment period requires EOI.

Cost

$8.46 per employee per month regardless of age or income level. Payment will be taken from your paycheck after tax to maximize the benefit should you ever need it. Paying LTD premiums after tax means the benefit can be paid out tax-free.

Benefit Amount

The monthly LTD benefit is 60% of your insured pre-disability earnings (the amount you were earning before you became disabled) reduced by deductible income.

Benefit Duration

If you become disabled and your claim for LTD benefits is approved, LTD benefits are payable after you have been continuously disabled for 180 days and remain continuously disabled. LTD benefits are not payable during the benefit waiting period.

Evidence of Insurability (EOI)

EOI is also known as "evidence of good health". It's the process that determines if you are eligible for LTD. Depending on when you enroll for coverage, you may be required to complete EOI before coverage becomes effective.

EOI requests are submitted to BCBSMT using one of the following methods:

OR

  • Print and fill out the EOI form, then submit to BlueCross BlueShield of Montana, Attn: Medical Underwriting Department, PO Box 7072, Downers Grove, IL 60515.
    • Insurance Group #F026969

Claiming Benefits

BCBSMT offers you the ability to securely submit and manage your LTD claims online through its self-service tool, My Benefits. Learn more about how to register and submit LTD claims. 

The controlling provisions are the group policies issued by BCBSMT.