Long-term disability is to provide eligible employees with financial protection by paying a portion of their income while disabled. This policy is in lieu of State Disability Benefits.
Long Term Disability Plan Documents
Long Term Disability Forms
FREQUENTLY ASKED QUESTIONS:
What does long-term disability insurance provide?
LTD insurance provides you with 24-hour protection against the lost of your income due to a disability that prevents you from working and earning an income.
If I have health insurance, why do I need LTD coverage?
Health insurance will help you cover some of the medical expenses you have as a result of your disability. But you will still have all the day-to-day expenses you have now. Medical insurance will not help you make up for any loss of income you may experience. And it may not cover many of the expenses that accompany severe disabilities – the cost of personal (custodial) care, special equipment, and home modifications.
If you are disabled according to the policy’s definition of disability, you will be eligible to receive a monthly benefit based on 66 2/3% of your basic monthly earnings. Benefits would begin after an "Elimination Period" of 100 days and would be paid for as long as you continue to meet the policy’s definition of disability for the benefit duration specified. In addition, if you meet the eligibility conditions for Disability Plus, your benefits would be increased by 13 1/3%. Disability Plus are applicable if you are unable to perform any two Activities of Daily Living as described in the policy (i.e., bathing, dressing, eating, etc.).
Your LTD Benefits may be reduced by the amount of other income replacement benefits you receive for the same disability, such as benefits from PERS, STRS, sick leave, Family Social Security, workers’ compensation, etc.
Termination of Coverage
District-paid benefits will end on the last day of the month in which the employee terminates or retires. You may be eligible to convert the coverage to a policy; see plan booklet for details.