Long Term Disability (LTD)

Rutherford County Government provides eligible employees a LTD insurance plan as part of the benefit package. Eligibility for the benefit is determined by the same guidelines for all other benefits:

All Full-time active and Part-time active employees working at least 30 hours per week Board of Education, County General and Highway Employees, who are citizens or legal residents of the United States, its territories and protectorates, excluding temporary, leased or seasonal employees.

The insured plan provides a benefit of 66.67% of your earnings to a maximum of $6,000 per month. You must be disabled for at least 180 days before you are eligible to receive the LTD benefit.

Coverage as well as the actual benefit are subject to the terms and conditions of the policy.

The policy is insured with The Standard.

Note: Plan effective date is January 1, 2021.

For claims and other questions call the Rutherford County Risk Management Department .

Phone: 615-898-7715
Fax: 615-713-3451


“The certificate describes coverage provided to persons who are eligible and who have been properly enrolled under the terms of the policy, and that the terms of the master policy are controlling.”

 Short Term Disability (STD)

The County offers voluntary STD coverage through The Standard effective January 01, 2021. STD replaces a portion of your pay if you can't work because of illness, non-work-related injury or pregnancy.

  • Benefits begin after 8 days of disability (elimination period)
  • The plan can pay up to 60% of your pay, up to$1,250/week (limits may apply)
  • Benefits generally continue up to 24 weeks

If you are enrolled in STD and become disabled, you may apply for benefits by contacting The Standard at the phone number below. You may also contact the Risk Management Department if you need help submitting your claim.

Contact Information

Phone: 1-800-368-2859 (for general question)
1-800-378-2395 (for claim intake) 

Website: www.standard.com/employer/products-services/insurance-benefits/short-term-disability