Lifestyle LTD

The group plan that helps employees maintain their lifestyle during a temporary or permanent disability.

Elimination Period

First Six Months of Disability

Second Six Months of Disability

Second Year of Disability

Third Year of Disability

Fourth Year of Disability until Disability Ends

No benefits are payable for a fixed number of days/end of sick leave

90% of Pre-Disability Earnings (less deductible income)

100% of Pre-Disability Earnings Combine all sources of federal and state income with LTD to reach up to 100% of pre-disability earnings. Note: a 70% benefit is provided as a potential safety net.

75% of Pre-Disability Earnings (less deductible income)

Step up to 80% of Pre-Disability Earnings (less deductible income)

Step up to 85% of Pre-Disability Earnings (less deductible income)

The Elimination Period

This is the amount of time after the onset of a disability before insurance
benefits are paid. This may be a fixed number of days or the “End of
Accumulated Sick Leave”.

The First Six Months of the Disability

This benefit provides employees with 90% of pre-disability earnings (less
deductible income) for the first six months of a covered disability, allowing them to maintain their lifestyle while assessment of the disability is conducted and a treatment plan is implemented. The goal of the treatment plan is always aimed at a return to full-time employment with a conscientious approach to rehabilitation.

The Second Six Months of the Disability

This unique benefit allows employees to combine all other sources of income with the Lifestyle LTD 70% plan to bring their income up to, but not to exceed, 100% of their prior pre-disability earnings. This six month corridor allows time for them to apply for Social Security disability benefits and/or the state retirement plan. If employees do not meet the disability requirements for either federal or state plans, the 70% of pre-disability earnings benefit is available as a potential safety net.

After One Year of Disability Payments

This benefit may help employees maintain their current lifestyle by increasing their income as a hedge against inflation and increasing medical care costs. If at least one payment has been received from both Social Security and a state retirement plan, this benefit increases payments to 75% of pre-disability earnings during the second year of disability, 80% during the third year, 85% during the fourth year and stays at 85% thereafter. The 70% benefit will be paid in the event employees do not qualify for both Social Security and a state retirement plan. Note: The insurance benefit is reduced by deductible income they might receive including the aforementioned federal and state payments.

This benefit is subject to the conditions, exclusions, and limitations of the certificate.

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