open enrollment guide for LTD participants

 The 2026 Open Enrollment period begins on Monday, October 6, 2025 and ends on Friday, October 24, 2025 at 8 p.m. ET.

You are viewing the 2026 open enrollment information for Long Term Disability (LTD) recipients currently enrolled in a plan via bswift.

Contribution Rates

The charts below summarize your contribution rates for coverage in 2026.

Aetna Medical Coverage

GW LTD PPO Pre-MedicareMonthly Contributions
LTD Recipient Only$905.28
LTD Recipient + Spouse/DP$1,901.08
LTD Recipient + Child(ren)$1,720.04
Full Family$2,715.85
GW LTD PPO Medicare (for those under age 65)Monthly Contributions
LTD Recipient Only$724.22
LTD Recipient + Spouse/DP$1,720.02
LTD Recipient + Child(ren)$1,538.98
Full Family$2,534.79

If you and/or your dependents are eligible for Medicare, are paying the higher GW LTD PPO Pre-Medicare rates and would like to be enrolled at the GW LTD PPO Medicare rates, please contact GW Benefits at benefitsatgwu [dot] edu (benefits[at]gwu[dot]edu) or by calling (571) 553-8382 for enrollment support.

Aetna Dental Coverage

Coverage CategoriesMonthly Contributions
DMO
LTD Recipient Only$15.95
LTD Recipient + One$36.46
LTD Recipient + Family$44.13
High PPO
LTD Recipient Only$63.04
LTD Recipient + One$136.73
LTD Recipient + Family$165.43
Low PPO
LTD Recipient$37.71
LTD Recipient + One$80.17
LTD Recipient + Family$97.02

UHC Vision Coverage

Coverage OptionsMonthly Contributions
Basic
LTD Recipient$5.22
LTD Recipient + One$9.66
LTD Recipient + Family$15.40
Enhanced
LTD Recipient$7.89
LTD Recipient + One$14.59
LTD Recipient + Family$23.25