long term DISABILITY
when you need time to GET WELL
Disability insurance will replace a portion of your income when you are unable to work for an extended period of time due to a life-altering illness or injury and you have exhausted your short term disability benefit.
You have two plans to choose from: Core plan or buy-up plan. Disability insurance is offered through Reliance Standard.
enrollment
who can enroll?
You - if you are a regular full-time, part-time, seasonal, and limited assignment employee.
CAN I CHANGE PLANS LATER?
Of course! You can make a change during the annual open enrollment (typically October/November). Please be aware that a pre-existing condition rule may apply.
sign me up!
Visit your home page and navigate to “Forms” to get enrolled.
using your benefit
when can i use the benefit?
You may apply for a long term disability benefit when you have been unable to work for 26 consecutive weeks.
how much leave can I take?
Until you recover, or when you reach your social security normal retirement age (or longer, depending on the age you were when the disability began), whichever is earlier.
how much will i get paid?
Depending on the plan you are enrolled in, you are paid at 60% (core plan) or 66 2/3% (buy-up plan) of your pre-disability earnings. Your disability payments are tax free and may be reduced by income from other benefits you receive while being disabled, like social security disability.
I HAVE MORE QUESTIONS - WHERE DO I FIND ANSWERS?
Take a look at the long term disability (LTD) insurance certificates below. You may find your answers there. If not, contact your friendly HR staff.
filing a claim
Please contact your HR department for information on how to file a claim.