
Voluntary Long-Term Disability
Voluntary Long-Term Disability (LTD) replaces a portion of your income if you become disabled and cannot work. Central Garden & Pet provides all eligible employees with Short-Term Disability benefits; you have the option to enroll in (and pay for) Long-Term Disability benefits. Long-Term Disability benefits do not have an Open Enrollment—you can enroll at any time. However, if you do not enroll when you are first eligible, you will need to submit proof of good health and be approved by Reliance Standard. Proof of good health is a quick questionnaire—asking basic questions like height, weight, date of birth, etc. Benefits are effective the first of the month after your coverage is approved. If you reside in California, New Jersey, New York or Rhode Island your state provides Short-Term Disability benefits. In such cases, your state disability insurance pays your benefits first, followed by coverage through Central Garden & Pet.
