About Long-Term Disability

Long-term disability (LTD) benefits provide income to employees who are still disabled after their short-term disability or salary continuation benefits end.

Typically, LTD benefits are paid as a percentage of salary, can continue until the age 65, and are usually offset by social security disability income, workers' compensation and disability pensions.

EMPAQ^® Metrics

EMPAQ^® metrics are ratios (i.e. numerators over denominators) that can be used to calculate the effectiveness of health and productivity management programs. They establish a consistent method for measuring cost, utilization and other performance issues.

EMPAQ^® LTD Metrics

Click here for a copy of the EMPAQ^® Data Dictionary, which contains detailed definitions of all of the metrics, data elements and plan design questions.

There are 2 EMPAQ^® LTD metrics.

Metric	Ratio	Explanation
Cost per Claim	Cost per Claim = Total LTD Payments Number of Active LTD Claims	This metric calculates the per claim cost of LTD coverage for a defined period of time.
Annual Claim Incidence	Annual Claim Incidence = Number of New LTD Claims Average Number of LTD Covered Employees × 1000	This metric calculates the number of new claims per thousand covered employees incurred during a defined period of time.