MESSA provides Long Term Disability (LTD) products that can be negotiated by employee groups seeking supplemental LTD coverage on a group basis. Negotiated Long Term Disability packages are available for bargaining in a wide variety of coverages and options. If you are interested in securing supplemental Negotiated Long Term Disability, please work with your local association leadership and your employer.
If you do not know if your group is covered by Negotiated LTD through MESSA, please check your personalized Summary of Benefits (requires secure login). You may also check with your employer’s business office to verify coverage and to request a plan coverage booklet.