|
Information provided is in summary
format. Any difference between the summary provided and
actual contract will be settled in favor of the contract.
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Definition
of Member |
You
are eligible for LTD coverage if you are an active
employee working a minimum of 30 hours per week
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|
Monthly
Benefit |
60% of
predisability income
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|
Monthly
Benefit Maximum |
$5,000 |
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Elimination Period |
You must
be disabled for 180 days before payments begin |
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Benefit Duration |
To age
65
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Definition
of Disability: |
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First 24 months |
Own Occupation |
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After 24 months |
Any Gainful Occupation |
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Total
Disability Required? |
Benefits are payable for partial disability |
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Return
to Work Incentive |
During the first 12 months of disability payments,
while working, UNUM will not reduce their benefit
payment unless the benefit payment plus your
disability earnings exceeds 100% of indexed monthly
earnings |
|
Survivor
Benefit |
3 Times Gross Monthly Benefit
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Coverage for Pre-Existing
Conditions |
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|
Definition |
Any injury or sickness where care or
treatment was received in the 12 months immediately prior to
your effective date of coverage
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When Covered |
If disability starts after 12 months continuous
coverage on the plan |
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Benefit
Limits: |
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Mental Disorder |
24 months lifetime |
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Self-Reported Symptoms |
24 months lifetime |
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Contributory Status |
The
employee pays 100% of the cost of the Long Term
Disability coverage |
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Rates |
Click Here |
