Company-provided benefits

Ardent provides LTD Insurance at no cost to you. You are automatically covered if you are eligible for this plan.

How the LTD plan works

  • If you become ill or injured, the plan pays benefits beginning on your 91st consecutive day of approved disability.
  • You receive 40 percent of your salary up to a $4,000 monthly maximum.
  • Coverage continues until you are no longer disabled, as defined by the contract, or you reach your Social Security normal retirement age.
  • Reduced benefits are available beginning at age 60. See your Summary Plan Description for the complete reduction schedule.