decorative image Red Clay Benefits -- Your Online Resource spacer image
decorative fade
Red Clay Consolidated School District
decorative image Long-Term Disability Insurance Home | Forms | Provider Info | Contact Us
About Your Benefits
bullet image Program Overview
bullet image Annual Enrollment/View Benefits Summary/ePay
Your State Benefits
bullet image Medical/Prescription Drugs
Life Lines
bullet image State Group Life Insurance
bullet image Employee Assistance Program
bullet image Wellness
bullet image Flexible Spending Account
bullet image Disability Insurance
Your School District Benefits
bullet image Dental
bullet image Vision Care
bullet image Life and AD&D Insurance
bullet image Disability
bullet image Administrative Information
bullet image What Happens When...?
 

The School District's Long-Term Disability Insurance 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.

It is the employee's responsibility to contact the Employee Benefits Office within 30 days of your first day of disability to initiate a claim.

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.

 

 
Disability Insurance
bullet Employees Covered by the State LTD Plan
bullet Employees Covered by the State Pension Plan
bullet Benefits for Total Disability
bullet Benefits for Successive Disability
bullet Benefits for Partial Disability
bullet Rehabilitation Benefits
bullet Appealing A Claim
What Is Covered
What Is Not Covered
When Coverage Ends
   
Related Forms
level2 bullet Cigna Claim Proess
level2 bullet Cigna Claim Form
level2 bullet Hartford Claim Form
level2 bullet LTD Insurance Certificate for Administrators
level2 bullet LTD Insurance Certificate for Non-Administrators
level2 bullet New Clinical Intake Process and STD Claim Filing
level2 bullet Hartford State Buy-Up LTD Plan

Related Links
Cigna
The Hartford
State Disability Insurance Program


    Important Legal Information:
Redclaybenefits.com provides only an overview of your benefits from Red Clay Consolidated School District and The State of Delaware. Red Clay Consolidated School District and The State of Delaware reserve the right to amend or to terminate any benefit plan at any time, with or without notice. Review more important legal information about your benefits plans.

Copyright ©2014 Evolution Benefits Consulting.