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Group Term Life Insurance and Optional Coverages For Active Employees Effective September 1, 1995

Frequently Asked Questions


Long Term Disability (LTD)


What is the purpose of enrolling for LTD coverage?
Who is eligible to enroll for LTD coverage?
What is required to file a LTD claim?
When does LTD become payable?
What is the maximum time frame that I will receive LTD benefits?
What is the deadline to file a LTD claim?
What happens if I am receiving other sources of income?
What is required of me regarding Social Security Disability?
Is pregnancy or childbirth covered under my LTD plan?

1. What is the purpose of enrolling for LTD coverage?

Long Term Disability provides a source of income if you become Totally Disabled for an extended period of time. Certain limitations may apply.

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2. Who is eligible to enroll for LTD coverage?

Active Employees are eligible to enroll for LTD coverage. This coverage is not available for Dependents or Retirees.

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3. What is required to file a LTD claim?

Obtain a claim form from your Benefits Coordinator. The Employee's section of the claim form and the Approved Practitioner's section will need to be completed. Once these sections are completed, return the form to your Benefits Coordinator. The Benefits Coordinator will complete the Employer's section and submit the form along with copies of the time records to our office for processing.

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4. When does LTD become payable?

If you are Totally Disabled, you may be eligible to receive LTD benefits after you have completed the Waiting Period of your sick leave, extended sick leave, and sick leave pool or 90 consecutive days whichever is greater. LTD benefits are issued monthly at the end of each 30 day benefit period.

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5. What is the maximum time frame that I will receive LTD benefits?

Your age as of the date your disability began will determine the period for which you may be eligible to receive LTD benefits. The Maximum Benefit Duration for receiving LTD benefits is as follows:
Age at Disability Maximum Benefit Duration

Under age 60
60-64
65-69


70 and over

To age 65*
60 Months
To age 70, or 12
Months, whichever
Is greater*
12 Months
*Benefits end the first day of the Plan Month following attainment of the limiting age.

The Maximum Benefit Period for Mental and Nervous Conditions is 24 months. Additionally, after 24 months of LTD benefit eligibility, the definition of Total Disability changes from performing the tasks or your own occupation to performing the tasks of any occupation for which your are reasonably qualified by training, education or experience.

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6. What is the deadline to file a LTD claim?

The LTD claim form must be submitted to our office within 12 months of the date your Total Disability began.

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7. What happens if I am receiving other sources of income?

LTD benefits are reduced by other sources of income to which you may be entitled such as STD benefits, Worker's Compensation, Employees Retirement System or Teacher Retirement System disability retirement benefits, Social Security Disability benefits for you and any of your eligible Dependents and other group disability benefits. This reduction is called Integration with other sources of income.

The maximum LTD benefit payable is 60% of your insured monthly earnings. However, if your LTD benefits are Integrated with other sources of income, LTD benefits will be 70% of your insured monthly earnings minus other income. If your other sources of income exceed 60% of your insured monthly salary, a minimum LTD benefit of 10% of your insured monthly earnings may be payable for up to 12 months. After 12 months, your LTD benefit will be 70% of insured monthly earnings minus your other sources of income. If your other sources of income exceed 70% of insured monthly earnings, your LTD benefit would be zero.

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8. What is required of me regarding Social Security Disability?

If disability extends or is expected to extend beyond five months, you are required to apply for Social Security Disability under the terms of the Disability Plan and appeal through the Administrative Law Judge Level.

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9. Is pregnancy or childbirth covered under my LTD plan?

If a participant is totally disabled (as defined in the benefits book) from any covered condition, including pregnancy or childbirth, it is considered to be an illness/sickness covered under your LTD plan.

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