Long-Term Disability
Your School District's Long-Term Disability
Plan
Your good health - and ability to work - are two things that should
not be taken for granted. The School District's Long-Term Disability
(LTD) Plan protects you and your family from financial hardship should
an illness or injury prevent you from working for an extended period
of time. Through this plan, you are provided with a basic level of monthly
benefits after you have been totally disabled for a certain length of
time.
What Is a Disability?
There are three types of disability:
Total Disability exists when, due to an illness or accidental injury:
- You are not able to perform, for the first two years of your disability,
the material and substantial duties of your occupation for wage or
profit
- You are not able to perform the material and substantial duties of
any job for which you are reasonably qualified based on training, education
and experience
- You are presently not working at any job for wage or profit
- You are under the regular care of a physician for the condition causing
your disability
Successive Disability exists when, due to an illness or accidental
injury:
- You receive LTD benefits, return to work, and become disabled again
from the same or a related cause
- The periods of disability are separated by less than six months of
employment
Partial Disability exists when:
- You have already experienced a period of total disability
- You are not able to perform, for wage or profit, the material and
substantial duties of your occupation on a full-time basis, or your
disability has caused you to reduce the number of hours you work
- You are under the regular care of a physician for the condition causing
your disability
LTD benefits will be paid up to age 70 if you are age 69 or younger
and on an approved disability. If you are age 70 or older, your LTD benefits
will be paid for 12 months.
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