Group Long Term Disability
(LTD)
Participants must fulfill an eligibility requirements contained in the
LTD policy for coverage to become effective. Benefits are payable after
90 days of disability and continue until recovery or a maximum age is
reached. If the participant is less than 60 years of age benefit
continue until age 65. Participants over age 60 should consult the LTD
polcy listed below. Any benefits paid under this plan will be subject to
offsets from other income, including social security payments, worker's
compensation and disability pension payments, etc. Review the
policy below.
The county will pay for an amount of coverage equal to 40 percent of
salary. For At-Will (Management) employees, the County will pay for an
amount of coverage equal to 60 percent of salary. Eligible employees a
can purchased an additional 20 percent of coverage which would provide
them with a benefit totaling 60 percent, see policy for details (this
option is not available to At-Will management employees). Coverage
becomes effective 30 days following the date of hire.
Optional Coverage
Eligible employees a can purchased
an additional 20 percent of coverage which would provide them with a
benefit totaling 60 percent, see policy for details (this option is not
available to At-Will management employees). If optional coverage is
purchased during a status change or during open enrollment, an Evidence
of Insurability form must be completed. These forms are available below.
The optional coverage will not go into effect until the insurance
carrier approves the application.
LTD buy-up premiums can be either pre
or post tax. Consult the documents listed below for additional details.
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