Long Term Disability Insurance

Coverage
Disability income protection insurance provides a benefit for long term disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration.

Eligibility
All Active Full-Time Employees working 30 hours or more per week, except for any person working on a temporary or seasonal basis.

Contribution Requirements
Coverage is 100% Employer Paid.

Elimination Period
90 consecutive days of total disability.

Benefit Amount
The benefit amount is equal to 60% of your monthly covered earnings, from a minimum of $100, to a maximum benefit of $6,000 per month.

Maximum Benefit Duration
Benefits will not extend beyond the longer of your Social Security Normal Retirement Age or Duration of Benefits below:

Features

  • Extended Disability Benefit

  • Military Services Leave of Absence

  • FMLA Continuation

  • Own Occupation Coverage – To Age 65

  • Rehabilitation Provision

  • Residual and Partial Disability

  • Specific Indemnity Benefit

  • Survivor Benefit – 3 months

  • Work Incentive & Child Care Provisions

  • Worksite Modification Benefit

Value Added Services

  • Employee Assistance Program

  • Travel Assistance Services

Limitations

  • Pre-Existing Condition Limitation: 3/12

  • Mental & Nervous Limitation – 24 months outpatient

  • Substance Abuse Limitation – 24 months

  • Offsets: your benefit may be reduced by other income sources such as, but not limited to, Social Security, Workers Compensation, State Disability Plans