Ball State Pays 100% of Premiums Long-Term Disability Video Long-term disability insurance provides ongoing income protection if a serious medical condition prevents you from working for an extended period. Coverage typically starts after short-term disability ends and continues until Social Security Normal Retirement Age (SSNRA). Long-Term Disability VOYA View Coverage Plan Feature Details Benefit Amount 60% of monthly salary Maximum Amount $15,000/month Benefits Begin 91st day after illness or accident Benefit Duration Until SSNRA