New coverage is only available to California residents.

What is Long Term Disability (LTD) Insurance

Long Term Disability Insurance starts helping to support you and your family as soon as your sick pay or salary continuation drops below 70% of your pre-disability pay, and your waiting period ends. Whether your disability happened on or off the job, the Club's LTD plan will pay the difference between your other benefits and 70% of your gross salary. Even when your other sources are used up, the Club pays 60% of your gross salary to age 65, for as long as you are disabled.

Why Should I Get LTD Insurance?

Becoming disabled can be devastating emotionally and financially. Although some people can get by through the usage of their accrued vacation and sick time, however these hours will not last forever. Less fortunate people will need to tap into their savings (if they have any) to survive. Very few people can afford NOT to work altogether for extended periods of time. Can you afford to not generate an income? Do you have loved ones depending on your paycheck?

Reasons why thousands of City and DWP employees already have LTD coverage with the Club

  • Covers you for injuries, accidents, and illness
  • Benefits Are Tax FREE
  • Automatic Payroll Deduction
  • Protects you on or off the job
  • Covers you for partial disability
  • Covers you beyond 12 or 24 months
  • Affordable Premiums at Group Rate Prices


LA County, State of California, and LAUSD employees are not currently eligible for enrollment.

Downloadable Forms

Download our forms directly. You'll need to have Adobe Acrobat installed on your computer to view it.


Most Frequently Asked Questions

Do I need to use all my vacation time in order for me to get paid?

NO, we encourage that you NOT use any of your vacation time.

Can I file a claim on past injury or illness?

Yes, as long as you were covered by the Club's LTD plan during the injury or sickness.

Why does my premium increase?

The plan is designed to ensure that you are covered for your most recent income therefore it gives you the peace of mind to know that as your income increases so does your cost associated to paying for the coverage.

What determines whether I collect 70% or 60% of my income?

It has to do with your income source. If you are not receiving any benefits, they you are eligible for 60% of your income tax-free.