[et_pb_section fb_built=”1″ _builder_version=”4.25.2″ _module_preset=”default” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”2_3,1_3″ _builder_version=”4.25.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”2_3″ _builder_version=”4.25.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” locked=”off” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n
You may elect to participate in an enhanced LTD program that provides a greater benefit than the current State of Delaware program is currently providing for you. Your Short Term and Long Term Disability Benefits that are provided by The State of Delaware will remain the same, as described below, at no cost to you.<\/p>\n
If you choose to participate in the Optional Long Term Disability Benefit, your LTD benefit will pay a benefit of 66 2\/3% of your earnings to a maximum of $8,000. The State of Delaware will continue to fund the cost of the base plan and all you will only be responsible for paying the premium for the additional 6 2\/3% benefit.<\/p>\n
Only participants who elected The Hartford Disability Insurance Program that was effective January 1, 2006 and are no longer in the State Employees\u2019 Pension Plan are eligible for this optional Long Term Disability feature.<\/strong><\/p>\n Your earnings are your regular monthly pay from the State of Delaware just prior to your date of disability, not including bonuses, overtime or other extra compensation. If you become disables, the amount of your benefits may be reduced by other income you receive. Your disability payments will continue according to the following table:<\/p>\n The Survivor Income Benefit pays a lump-sum, three-month benefit to your surviving spouse (or your children in equal shares if there is no surviving spouse) if you die while receiving LTD benefits. If there are no survivors, the benefit will be paid to your estate.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.25.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text admin_label=”LTD links” _builder_version=”4.27.6″ _module_preset=”default” custom_padding=”||20px|17px|false|false” border_width_left=”1px” border_color_left=”#0C71C3″ global_module=”238″ saved_tabs=”all” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Long-Term Disability Insurance Related Forms<\/strong>\n\n
\n Age When<\/strong>
Disabled<\/strong><\/td>\nBenefit Duration (Months)<\/strong><\/td>\n<\/tr>\n \n Prior to age 60<\/td>\n To age 65 (60 months)<\/td>\n<\/tr>\n \n Age 60<\/td>\n 60<\/td>\n<\/tr>\n \n Age 61<\/td>\n 48<\/td>\n<\/tr>\n \n Age 62<\/td>\n 42<\/td>\n<\/tr>\n \n Age 63<\/td>\n 36<\/td>\n<\/tr>\n \n Age 64<\/td>\n 30<\/td>\n<\/tr>\n \n Age 65<\/td>\n 24<\/td>\n<\/tr>\n \n Age 66<\/td>\n 21<\/td>\n<\/tr>\n \n Age 67<\/td>\n 18<\/td>\n<\/tr>\n \n Age 68<\/td>\n 15<\/td>\n<\/tr>\n \n Age 69+<\/td>\n 12<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/strong> Employees Covered by the State LTD Plan
Employees Covered by the State Pension Plan
Benefits for Total Disability
Benefits for Successive Disability
Benefits for Partial Disability
Rehabilitation Benefits
Appealing A Claim
What Is Covered
What Is Not Covered
When Coverage Ends<\/p>\n
Cigna LTD Claim Process<\/a>
Cigna LTD Claim Form<\/a>
LTD Insurance Certificate<\/a>
Hartford LTD Claim Form<\/a><\/p>\n