Eligible participants are regular employees who are scheduled to work at least 20 hours per week.
Eligible employees are automatically enrolled in the Long-Term Disability Base Plan at no cost to employees.
Under the Base Plan on the first of the month following 180 days (6-month elimination period) of total disability, employees are entitled to receive 60% of their base monthly earnings to a maximum of $7,500 minus any other payments received, such as Worker’s Compensation or Social Security disability payments. The monthly benefit will not be less than $100.
Applications for Long-Term Disability must be completed and returned to the Benefits Office for forwarding to the insurance company prior to the six-month elimination period. The employee must complete Section I of the application and obtain medical information from the appropriate physician(s). The Benefits Office will complete the employer’s section and forward the application to the insurance company.
The insurance carrier for this coverage is The Standard Insurance Company.