Long Term Disability
Disability benefits protect you and your family from financial hardship due to an illness or injury that prevents you from working. The Long-Term Disability (LTD Plan pays a benefit of 60% of your eligible pre-disability monthly earnings for medically certified disabilities lasting more than six months. The maximum LTD benefit is $15,000 per month.
Only full-time employees are eligible for LTD benefits. New employees must elect coverage within 31 days of their hire date. If coverage is not elected during this initial eligibility period, you will be required to provide evidence of insurability and receive approval from Liberty Mutual should you wish to enroll during a future open enrollment period. The cost of coverage is based on your pay and age, and is paid through payroll deductions.
How to Apply for LTD Benefits
If you are receiving Short-Term Disability (STD) benefits during the first six months of your disability, your case will automatically transition to Lincoln Financial’s LTD department. Lincoln Financial will contact you directly to complete your application for benefits.
If you have questions about the LTD plan, please contact your Disability Case Manager at 1-888-440-6118, Monday through Friday from 8:00 a.m. to 5:00 p.m. Eastern Time.
The purpose of this summary is to provide highlights of Your Company Benefits plan. Eligibility and benefit payment determinations will be governed by the plan documents. In the event of a discrepancy between the information provided in this material and the plan documents, the plan documents will govern. The Company reserves the right to change, amend or terminate the benefit plans at any time for any reason. Your eligibility for benefits does not guarantee continued employment at the Company or any of its entities. Benefits for union-represented employees are subject to collective bargaining and may differ from the benefit plans described above. Also, premiums for union-represented employees who participate in one or more of these plans may be different. Local Human Resources can answer any questions about benefits for union-represented employees.