Long Term Disability Insurance
Benefits are 60% of your monthly pre-disability earnings, to a maximum of $10,000 per month. This amount will be reduced by disability earnings and/or benefit reductions, such as Social Security disability benefits.
Active employees who have completed their benefits eligibility period and are working at least 32 hours per week may enroll when first eligible. You may also enroll during an annual enrollment period or within 31 days of a Qualified Family Status Change. Evidence of insurability is required for any amount of coverage if you enroll after your initial eligibility period (see below). You may drop coverage at any time.
Coverage for department heads, nurses and therapists begins on the first of the month after your hire date, provided you enroll within 30 days of your effective date. Coverage for all others begins on the first of the month following 60 days of employment, provided you enroll within 30 days of your effective date.
If you apply for LTD coverage after your initial eligibility period, you must provide evidence of insurability to the insurance carrier before coverage is approved. Complete a Unum LTD Evidence of Insurability Form and mail it to Unum at the address shown at right.
Note that pre-existing conditions and other limitations and exclusions apply; see the benefit summary for details.
- You can choose to have benefits begin after either 180 or 360 days of disability, or the end of your short term disability benefits, if applicable. This is called the “elimination period.”
- Affordable coverage. Your premiums are based on the elimination period you select and on your age, and are conveniently deducted from your paycheck.
- Coverage includes world wide emergency travel assistance.