Employee Benefits Guide

Disability Insurance Terms

Carrier Name – Long-Term Disability

Employees who are Benefits-eligible based on BP3-60. Employee must be actively at work at least 30 hours per week (Aims employees must be actively at work 35 hours per week)

Who is eligible?

Does Employer Pay? Yes

When does coverage begin?

First day of active employment

As soon as your medical condition prevents you from engaging in your regular duties, but no later than 90 days.

When should I submit a claim?

How do I submit a claim?

Contact your HR office

What is the waiting period?

60 calendar days or exhaustion of sick leave, whichever is later • Age at Disability: <60 Max Benefit Period: To age 65 • Age at Disability: 60-64 Max Benefit Period: The latter of age 65 or 36 months • Age at Disability: 65+ Max Benefit Period: The latter of age 70 or 24 months The lesser of 60% of basic monthly earnings or 70% of basic monthly earnings less other income benefits, or the maximum monthly benefit

What is the maximum benefit period?

How is the disability benefit calculated?

Maximum: $15,000 per month Minimum: The greater of $50 or 10% of the monthly benefit before deductions for other income benefits

What are the maximum/minimum benefit payments?

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