{"id":503,"date":"2020-12-03T03:46:51","date_gmt":"2020-12-03T03:46:51","guid":{"rendered":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/?page_id=503"},"modified":"2020-12-04T17:48:04","modified_gmt":"2020-12-04T17:48:04","slug":"ltd-employees-covered-under-the-state-pension-plan","status":"publish","type":"page","link":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/ltd-employees-covered-under-the-state-pension-plan\/","title":{"rendered":"LTD3 – Employees Covered under the State Pension Plan"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.6.6″ _module_preset=”default”][et_pb_row column_structure=”2_3,1_3″ _builder_version=”4.6.6″ _module_preset=”default”][et_pb_column type=”2_3″ _builder_version=”4.6.6″ _module_preset=”default”][et_pb_text admin_label=”LTD – covered under state pension” _builder_version=”4.6.6″ _module_preset=”default” text_font_size=”16px” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Long-Term Disability Insurance pays you a portion of your earnings if you cannot work because of a disabling illness or injury. You have the opportunity to purchase Long-Term Disability Insurance to supplement the State\u2019s Pension Disability Benefit.<\/p>\n

You may purchase coverage that would supplement your State Disability Pension plan up to 66.6% of your earnings. The maximum Long-Term Disability benefit you could receive is $8,000 per month. Your plan includes a minimum benefit of 10% of your earnings or $100 per month. Earnings are defined as in Standard\u2019s contract with your employer.<\/p>\n

You are eligible if you are an active STATE OF DELAWARE PENSION COVERED employee who works at least 10 hours per week on a regularly scheduled basis.<\/p>\n

Your benefit may be reduced once you reach certain ages specified in Standard\u2019s contract with your employer. In addition, as described below, your monthly Long-Term benefit may be reduced by other income you receive.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”table” _builder_version=”4.6.6″ _module_preset=”default” hover_enabled=”0″ custom_css_main_element=”\t” sticky_enabled=”0″]<\/p>\n\n\n\n\n\n\n\n\n\n\n
Prior to age 63<\/td>\nTo NRA* or 48 months if greater<\/td>\n<\/tr>\n
Age 63<\/td>\nTo NRA* or 42 months<\/td>\n<\/tr>\n
Age 64<\/td>\n36 months<\/td>\n<\/tr>\n
Age 65<\/td>\n30 months<\/td>\n<\/tr>\n
Age 66<\/td>\n27 months<\/td>\n<\/tr>\n
Age 67<\/td>\n24 months<\/td>\n<\/tr>\n
Age 68<\/td>\n21 months<\/td>\n<\/tr>\n
Age 69+<\/td>\n18 months<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

*Normal Retirement Age means the Social Security Normal Retirement Age as stated in the 1983 revision of the United States Social Security Act.<\/strong><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.6.6″ _module_preset=”default”][et_pb_text admin_label=”LTD Side Links” _builder_version=”4.6.6″ _module_preset=”default” custom_padding=”||20px|17px|false|false” border_width_left=”2px” border_color_left=”rgba(224,43,32,0.8)” global_module=”466″ saved_tabs=”all”]<\/p>\n

Disability Insurance<\/h3>\n

Related Pages<\/strong><\/p>\n

    \n
  • Employees Covered by the State LTD Plan<\/li>\n
  • Employees Covered by the State Pension Plan<\/li>\n
  • Benefits for Total Disability<\/li>\n
  • Benefits for Successive Disability<\/li>\n
  • Benefits for Partial Disability<\/li>\n
  • Rehabilitation Benefits<\/li>\n
  • Appealing A Claim<\/li>\n
  • What Is Covered<\/li>\n
  • What Is Not Covered<\/li>\n
  • When Coverage Ends<\/li>\n<\/ul>\n

    Related Forms<\/strong><\/p>\n

      \n
    • Cigna Claim Proess<\/li>\n
    • Cigna Claim Form<\/li>\n
    • Hartford Claim Form<\/li>\n
    • LTD Insurance Certificate for Administrators<\/li>\n
    • LTD Insurance Certificate for Non-Administrators<\/li>\n
    • New Clinical Intake Process and STD Claim Filing<\/li>\n
    • Hartford State Buy-Up LTD Plan<\/li>\n<\/ul>\n

      Related Links<\/strong><\/p>\n

        \n
      • Cigna<\/li>\n
      • The Hartford<\/li>\n
      • State Disability Insurance Program<\/li>\n<\/ul>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

        Long-Term Disability Insurance pays you a portion of your earnings if you cannot work because of a disabling illness or injury. You have the opportunity to purchase Long-Term Disability Insurance to supplement the State\u2019s Pension Disability Benefit. You may purchase coverage that would supplement your State Disability Pension plan up to 66.6% of your earnings. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-503","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/pages\/503","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/comments?post=503"}],"version-history":[{"count":4,"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/pages\/503\/revisions"}],"predecessor-version":[{"id":539,"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/pages\/503\/revisions\/539"}],"wp:attachment":[{"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/media?parent=503"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}