You continue your insurance indefinitely. Retiring at specific times of the year is usually due to tax reasons. Other than that, it really does not make a difference, unless there is a large increase in salary prior to retiring. Contact Benefits for the particulars. There is a coordination with all other income.
Enrollment is available to new employees and only during periodic open-enrollment periods.
The LTD Plan also provides a monthly Pension Supplement Benefit. You are eligible for this supplement if you have been insured under this plan for at least 3 months prior to the effective date of your disability and have been continuously Disabled under this plan for 5 consecutive months. The monthly pension supplement benefit will begin at the end of the 12th month following your date of disability, at which time a Group Annuity Certificate will be issued on behalf of the employee. Liberty Mutual is the provider. Liberty Mutual will deposit an amount equal to the monthly pension supplement benefit into an annuity account for each month you are disabled, beginning with the 91st day of disability.