Long Term Disability When Benefits End LTD benefits end automatically on the earliest of: The date you are no longer disabled The date your maximum benefit period ends The date you die The date benefits become payable under any other LTD plan under which you become insured through employment during a period of temporary recovery The date you fail to provide proof of continued disability and entitlement to benefits
Rates Employees can select a monthly LTD benefit ranging from a minimum of $200 to a maximum amount based on how much they earn. Follow these steps, referencing the attached charts, to find the monthly cost for your desired level of monthly LTD benefit and benefit waiting period: 1. Find the maximum LTD benefit by locating the amount of your earnings in either the Annual Earnings or Monthly Earnings
Annual Earnings
Monthly Earnings
3,600 5,400 7,200 9,000 10,800 12,600 14,400 16,200 18,000 19,800 21,600 23,400 25,200 27,000 28,800 30,600 32,400 34,200 36,000 37,800 39,600 41,400 43,200 45,000 46,800 48,600 50,400 52,200 54,000 55,800 57,600 59,400 61,200 63,000 64,800 44 66,600
300 450 600 750 900 1,050 1,200 1,350 1,500 1,650 1,800 1,950 2,100 2,250 2,400 2,550 2,700 2,850 3,000 3,150 3,300 3,450 3,600 3,750 3,900 4,050 4,200 4,350 4,500 4,650 4,800 4,950 5,100 5,250 5,400 5,550
column. The LTD benefit amount shown associated with these earnings is the maximum amount you can receive. If your earnings fall between two amounts, you must select the lower amount. 2. Select the desired monthly LTD benefit between the minimum of $200 and the determined maximum amount, making sure not exceed the maximum for your earnings. 3. In the same row, select the desired benefit waiting period to see the monthly cost for that selection. If you have questions regarding how to determine your monthly LTD benefit, the benefit waiting period, or the premium payment of your desired benefit, please contact your human resources representative.
Group Insurance Certificate If you become insured, you will receive a group insurance certificate containing a detailed description of the insurance coverage. The information presented above is controlled by the group policy and does not modify it in any way. The controlling provisions are in the group policy issued by Standard Insurance Company.
Options 1 –6: Maximum benefit to age 65 for both accident and sickness Accident / Sickness Benefit Waiting Period Cost Per Month Monthly Disability 0-7 14 - 14 30 - 30 60 - 60 90 - 90 180 - 180 Benefit 200 300 400 500 600 700 800 900 1,000 1,100 1,200 1,300 1,400 1,500 1,600 1,700 1,800 1,900 2,000 2,100 2,200 2,300 2,400 2,500 2,600 2,700 2,800 2,900 3,000 3,100 3,200 3,300 3,400 3,500 3,600 3,700
9.74 14.61 19.48 24.35 29.22 34.09 38.96 43.83 48.70 53.57 58.44 63.31 68.18 73.05 77.92 82.79 87.66 92.53 97.40 102.27 107.14 112.01 116.88 121.75 126.62 131.49 136.36 141.23 146.10 150.97 155.84 160.71 165.58 170.45 175.32 180.19
7.78 11.67 15.56 19.45 23.34 27.23 31.12 35.01 38.90 42.79 46.68 50.57 54.46 58.35 62.24 66.13 70.02 73.91 77.80 81.69 85.58 89.47 93.36 97.25 101.14 105.03 108.92 112.81 116.70 120.59 124.48 128.37 132.26 136.15 140.04 143.93
6.42 9.63 12.84 16.05 19.26 22.47 25.68 28.89 32.10 35.31 38.52 41.73 44.94 48.15 51.36 54.57 57.78 60.99 64.20 67.41 70.62 73.83 77.04 80.25 83.46 86.67 89.88 93.09 96.30 99.51 102.72 105.93 109.14 112.35 115.56 118.77
4.38 6.57 8.76 10.95 13.14 15.33 17.52 19.71 21.90 24.09 26.28 28.47 30.66 32.85 35.04 37.23 39.42 41.61 43.80 45.99 48.18 50.37 52.56 54.75 56.94 59.13 61.32 63.51 65.70 67.89 70.08 72.27 74.46 76.65 78.84 81.03
3.80 5.70 7.60 9.50 11.40 13.30 15.20 17.10 19.00 20.90 22.80 24.70 26.60 28.50 30.40 32.30 34.20 36.10 38.00 39.90 41.80 43.70 45.60 47.50 49.40 51.30 53.20 55.10 57.00 58.90 60.80 62.70 64.60 66.50 68.40 70.30
2.94 4.41 5.88 7.35 8.82 10.29 11.76 13.23 14.70 16.17 17.64 19.11 20.58 22.05 23.52 24.99 26.46 27.93 29.40 30.87 32.34 33.81 35.28 36.75 38.22 39.69 41.16 42.63 44.10 45.57 47.04 48.51 49.98 51.45 52.92 54.39