{"id":540,"date":"2020-12-04T17:56:42","date_gmt":"2020-12-04T17:56:42","guid":{"rendered":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/?page_id=540"},"modified":"2020-12-04T17:56:47","modified_gmt":"2020-12-04T17:56:47","slug":"benefits-for-partial-disability","status":"publish","type":"page","link":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/benefits-for-partial-disability\/","title":{"rendered":"LTD6 – Benefits for Partial Disability"},"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=”Benefits for Partial Disability” _builder_version=”4.6.6″ _module_preset=”default” text_font_size=”16px” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Long-Term Disability Insurance<\/h2>\n

Benefits for Partial Disability<\/h3>\n

If you are not able to perform your job on a full-time basis or you have to reduce the amount of hours you normally work, you can receive partial disability benefits. Under these circumstances, your benefit will be reduced to reflect the earnings you receive while working on a partial disability basis. While you work, you will receive your partial disability earnings, as well as a benefit equal to the proportion of your full-time disability benefit that corresponds to the difference between your previous monthly earnings and your partial disability earnings.<\/p>\n

Partial Disability<\/strong>
For example, suppose your disability benefit is $500 and your earnings from working on a partial disability basis are $300. Your partial disability offset would be 60% of $300 or $180. That means, your total monthly income would equal:<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.6.6″ _module_preset=”default” admin_label=”table \/ ex” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0$500 (your full disability benefit)<\/td>\n<\/tr>\n
Less<\/strong><\/td>\n\u00a0$180 (your partial disability offset-60% of monthly earnings)<\/td>\n<\/tr>\n
Equals<\/strong><\/td>\n\u00a0$320 (your partial disability benefit)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Total Monthly Income = $320 + $300 = $620<\/strong><\/p>\n

[\/et_pb_text][et_pb_text admin_label=”mini LTD links” _builder_version=”4.6.6″ _module_preset=”default” global_module=”515″ saved_tabs=”all”]<\/p>\n

Read more about:<\/p>\n

    \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<\/ul>\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 Benefits for Partial Disability If you are not able to perform your job on a full-time basis or you have to reduce the amount of hours you normally work, you can receive partial disability benefits. Under these circumstances, your benefit will be reduced to reflect the earnings you receive while working on […]<\/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-540","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/pages\/540","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=540"}],"version-history":[{"count":3,"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/pages\/540\/revisions"}],"predecessor-version":[{"id":545,"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/pages\/540\/revisions\/545"}],"wp:attachment":[{"href":"http:\/\/schooldistrictbenefits.com\/redclay\/n\/wp-json\/wp\/v2\/media?parent=540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}