Long Term Disability

The LTD plan replaces 50 percent of your ABBR, up to a maximum benefit of $10,000 per month, if you remain disabled. There is a 90-day waiting period from your initial date of disability before LTD benefits begin. However, you may be covered by STD (if enrolled) during that time.

You are considered disabled if you have an illness, pregnancy or accidental injury and you are receiving appropriate care and treatment from a doctor on a continuing basis. Your doctor must certify that you are unable to return to work.

Important

When you enroll in the long-term disability plan, pre-existing condition limitations will apply. Benefits will not be paid for a claim that is caused by, contributed to or occurs as a result of a preexisting condition or medical or surgical treatment for that condition for which the date of diagnosis is in the six months prior to and the first 12 months after your coverage effective date.

You must be an eligible team member and actively at work (not on a leave of absence) to enroll in short-term and long-term disability insurance.