Long-Term Disability
LTD replaces a portion of your pay if you experience a disability and are unable to work for a period of more than 26 weeks.
All eligible employees are automatically enrolled in company-provided basic LTD, which pays 50% of your pre-disability earnings, with a maximum benefit of
$5,000 per month.
If you want additional coverage, you can enroll in employee-paid enhanced LTD, which pays 60% of your pre-disability earnings, with a maximum benefit of $10,000
per month.
Benefit Duration
For those with a disability date of 2020 or later, the following durations apply:
| Age Disabled |
Benefits Payable – Elimintation period greater than or equal to 180 days |
| Prior to age 63 |
To Normal Retirement Age or 42 months if greater |
| Age 63 |
To Normal Retirement Age or 36 months if greater |
| Age 64 |
30 months |
| Age 65 |
24 months |
| Age 66 |
21 months |
| Age 67 |
18 months |
| Age 68 |
15 months |
| Age 69 or over |
12 months |
For purposes of the LTD benefit, Normal Retirement Age means the Social Security Normal Retirement Age as stated in the 1983 revision of the United States
Social Security Act. It is determined by the date of birth as follows:
| Year of birth |
Normal Retirement Age |
| 1937 |
65 |
| 1938 |
65 + 2 months |
| 1939 |
65 + 4 months |
| 1940 |
65 + 6 months |
| 1941 |
65 + 8 months |
| 1942 |
65 + 10 months |
| 1943 thru 1954 |
66 |
| 1955 |
66 + 2 months |
| 1956 |
66 + 4 months |
| 1957 |
66 + 6 months |
| 1958 |
66 + 8 months |
| 1959 |
66 + 10 months |
| 1960 or after |
67 |