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Long Term
Disability Information
Long-term disability is a district-paid
benefit to provide eligible employees with financial protection by paying
a portion of their income while disabled.
Eligibility
Employees who meet eligibility requirements for health and dental
insurance benefits are also eligible for Long-Term Disability (LTD)
benefits provided by the District. Coverage is effective the first of the
month following six (6) months of continuous active employment.
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.
Benefits
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.
Plan Documents
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