When coverage starts
Long Term Disability Plan
You’ll be covered under the Long Term Disability Plan when:
||You have been certified as disabled, and
||You have received short term disability benefits for five
What the Long Term Disability Plan pays
The plan pays 60% of your base pay at the time you became disabled. Base pay
doesn’t include overtime, shift differential, or any other premium pay.
Payments will start on the first day of the sixth month of your certified
Payments are made on a bi-weekly basis to coincide with Advocate’s payroll
LTD benefits are subject to federal, state and local taxes.
The first 30 days of long term disability benefits are subject to FICA taxes.
Benefits paid after the 30th day will be exempt from FICA taxes.
How long your benefits continue
The length of time you will continue to receive long term disability benefits
depends on your age at the time you become certified as disabled.
Age at which you’re eligible for long term disability benefits:
Your long term benefits continue until the earliest of when you’re no longer
certified as disabled, you die, or you:
|61 or younger
||reach age 65
||receive benefits for 3 years and 6 months
||receive benefits for 3 years
||receive benefits for 2 years and 6 months
||receive benefits for 2 years
||receive benefits for 1 year and 9 months
||receive benefits for 1 year and 6 month
||receive benefits for 1 year and 3 months
||receive benefits for 1 year
If your disability results from a behavioral health, mental or nervous
condition, you’ll be eligible to receive long term disability benefits for up
to 24 months.
Offsets to your disability plan benefit
You may have other sources of income (such as Social Security disability benefits or
Social Security retirement benefits or income you receive from limited-hours)
that will reduce the amount you may receive from the plan.
Claiming your benefits––what you need to know
At the beginning of your third month of certified disability under the short
term plan, the Disability Council will provide you with the application forms
for the long term disability benefit.
||All long term disability application forms must be completed and returned to
the council within 30 days. You won’t receive any long term disability benefits
until you return all of the completed forms.
||Contact your local Social Security administration office to apply for Social
Security disability benefits. You must provide proof of your application for
Social Security benefits to the council at least 30 days before your long term
disability payments are scheduled to start. If you don’t provide this
documentation, your long term benefits cannot be paid.
Remember, it is the Disability Council––not your physician––that determines
your eligibility and certifies benefits under the plan. The council will notify
you of your long term disability benefits after reviewing the above
information. If the council doesn’t certify disability benefits, you’ll get a
letter that explains why you were denied and the appeals process. If your
appeal is denied, you’ll be considered to have voluntarily resigned as of the
date your appeal was denied.
If you become disabled again
If you become disabled again and your certified disability results from the
same illness or injury, you’ll receive benefits under the disability plans as
||If the disability happens within six months after you’ve returned to work
following a long term disability, you’ll immediately begin to receive long term
||If the disability happens more than six months after you’ve returned to
work in a full duty capacity following a long term disability, you’ll first
receive benefits under the short term plan. If your illness or injury continues
beyond the short term disability period and you qualify, you’ll then receive
long term disability benefits.
If you become disabled again and your certified disability results from a different
illness or injury, you’ll first receive benefits under the short term plan. If
your illness or injury continues beyond the short term disability period and
you qualify, you’ll then receive long term disability benefits.