Long-Term Disability


Safeguard your finances so you can focus on your health if you are unable to work due to a disability.

A serious illness or injury can turn your life upside down for months – or even longer – and it might, also, mean you aren’t able to work. If this happens, Long-Term Disability insurance may give you the financial support you need so you can focus on getting better. Sun Life’s Long-Term Disability insurance, made available through PEF Membership Benefits Program, is available to help you return to work and your normal routine as quickly as possible.


You may be eligible for Long-Term Disability insurance as an active dues-paying member of PEF.1

*Restrictions apply for hourly members.
**Per diem members are not eligible.

How does it work?

Long-Term Disability insurance provides you with a monthly benefit to help pay for everyday expenses (such as a mortgage, utilities, childcare, or groceries), if a covered disability (e.g., disabilities due to back injuries and some chronic illnesses such as heart attack, cancer, or stroke) takes you away from work for an extended time.

How much do I need?

The Long-Term Disability plan offers two levels of coverage from which you can choose: 50% or 60% of your monthly income based on your salary on file at the time of disability, up to $7,500 per month. Your LTD benefit will be based on your monthly income, and it will not take into account earnings from investments or savings plans. The plan will offset benefit payments by other sources of income for which you may be eligible (e.g.,  workers’ compensation, Social Security; disability pension, or other NYS retirement payments, etc.).

Important points to consider:

  • Get a monthly check—after your claim is approved—that replaces 50% or 60% of your monthly income based on your salary on file at the time of disability, up to $7,500 a month, while you recover from a covered disability.2
  • Begin receiving benefits in as soon as six months from the date you are unable to work.
  • Receive a monthly benefit for up to the maximum benefit period or Social Security Normal Retirement Age if you are disabled before age 60—as long as you are still unable to work due to a covered disability. If you are disabled after age 60, you are eligible to receive a monthly benefit from one year to five years, depending on your age.
  • No Long-Term Disability benefit will be payable to you for any disability that results from a pre-existing condition. A pre-existing condition is one for which you took medication or received treatment during the six months before your effective date, or the effective date of an increase in your insurance. The exclusion applies only during the 12 months (six months for Members age 65 and older) following your effective date.
  • No Long-Term Disability benefit will be payable for any Total or Partial Disability that is due to:
    • intentionally self-inflicted injuries;
    • war declared or undeclared or any act of war;
    • your active participation in a riot or insurrection; or
    • your participation in a felony.
  • Qualify for additional benefits if your covered disability begins with a hospital stay of 14 days or more.
  • Work with a certified rehabilitation specialist, when appropriate, to create a return-to-work plan that’s right for you.
  • Provide your survivors with a lump sum benefit if your death occurs while you are eligible to receive a net monthly benefit and your total or partial disability has continued for 180 consecutive days.
  • Choose the benefit amount that best meets your needs and your budget. Your cost depends on factors such as your age, monthly earnings, and the benefit amount you elect.

Available benefit amounts and costs based on a 26 bi-weekly pay period


Why choose Sun Life Long-Term Disability:

Long-Term Disability insurance can be costly. The program benefit that PEF Membership Benefits Program provides through Sun Life is a group policy, so the rates are generally less expensive than what you will find if you try to purchase a plan elsewhere.

In addition, the PEF Membership Benefits Program’s Long-Term Disability insurance includes the following features:

  • Retro Disability benefit – pays benefits retroactively to the first day of disability if you are hospitalized within 48 hours of disability, and then remain hospitalized continuously for 14 days or more, and remain totally disabled through the end of the Elimination Period.
  • Survivor Income benefit – a three-month Survivor Income benefit that pays a lump sum equal to three times your monthly benefit after Total or Partial Disability has continued for at least 180 consecutive days and while you are eligible to receive a monthly benefit.
  • Residual Disability – you do not need to be Totally Disabled during the Elimination Period.
  • Return-to-work benefit – the plan pays a Return-to-Work benefit if you return to work on a part-time basis.
  • Assisted Living benefit – pays an additional 20% of total monthly earnings or $5,000, whichever is less, if you are disabled and are also cognitively impaired or unable to perform two or more activities of daily living.
  • Rehabilitation benefit – pays a Rehabilitation benefit if you participate in a rehabilitation program approved by Sun Life.

To learn more about Long-Term Disability insurance, call PEF Membership Benefits Program at 518-785-1900, ext. 243, Opt. 2, or 800-342-4306, ext. 243, Opt. 2.

How to Enroll:

If you are a New Employee (on the job less than 120 days) in the PS&T (Professional, Scientific & Technical) Unit, you may enroll with no medical questions asked1.

  • You must join PEF before enrolling in any one or more insurances. Join PEF Now.
  • If you are a PEF member already, simply complete the enrollment form and mail it to:

PEF Membership Benefits Program
10 Airline Drive, Suite 101
Albany, NY 12205

View Cristie’s Sun Life story.


PLEASE NOTE: You have up to 120 days from your first day of employment to complete and submit the PEF Membership Application and the insurance enrollment form in order to get coverage with no medical questions asked1. If we do not receive your applications within 120 days, you will need to complete the Medical Questionnaire/Evidence of Insurability (below).

Current, Active Employees (on the job more than 120 days) in the PS&T unit:

  • If you are not yet a PEF member, Join PEF Now.
  • If you are a PEF member already, simply complete the enrollment form and mail it to:

PEF Membership Benefits Program
10 Airline Drive, Suite 101
Albany, NY 12205



You will need to complete an Evidence of Insurability Form if:

  1. You did not elect insurance in your first 120 days of employment with the PS&T unit.
  2.  If you are increasing coverage on an existing insurance policy.
  3.  If a PEF MBP representative requests that you complete and EOI form.


If downloading and completing the insurance enrollment application and the medical questionnaire, return both to PEF MBP at:
PEF Membership Benefits Program
10 Airline Drive, Suite 101
Albany, NY 12205

For more information: Call the Membership Benefits Program at (518) 785-1900, ext. 243, Opt. 2, or (800) 342-4306, ext. 243, Opt. 2. You may also email Membership Benefits Program.


1If you decline coverage during your initial eligibility period and want to elect coverage or increase coverage at a later date, you are required to complete and submit an Evidence of Insurability application, which must be approved by Sun Life prior to coverage taking effect. For additional information, contact the PEF Membership Benefits Program.
2Keep in mind that other sources of income could impact your benefit amount.
The rates shown above include PEF Membership Benefits Program administrative fees.
This product web page is intended to provide an overview of the benefits available from PEF Membership Benefits Program and is not a complete description of plan provisions. Review of this product web page does not certify eligibility for benefits under this plan. For complete plan details, including limitations and exclusions that may affect benefits, please refer to your certificate.
The group policy provides disability income insurance only. It does not provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Windsor, CT) under Policy Form Series 13-GP-LF-01, 13-LF-C-01, 13-GP-LH-01, 13-ADD-C-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 07-NYSL REV 7-12, GP-A, GC-A, 12-GP-SD-01, 13-SD-C-01, 12-GP-01, 12-AC-C-01, 12-GPPort-01, 13-LFPort-C-01, 13-ADDPort-C-01, 12-STDPort-C-01, 12-ACPort-C-01 and 13-SDPort-C-01.
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