Long-Term Disability (LTD) is an income replacement plan that provides you with either 40% or 60% of your basic monthly earnings up to a maximum monthly benefit of $12,000. This is a voluntary benefit, meaning that if you enroll in LTD you will pay the full cost of coverage. The LTD page on Access Tufts will provide information pertaining to coverage options, how to enroll, and benefits available to you while on Long-Term Disability.