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Your LTD benefits for total disability are two thirds of your basic monthly earnings (excluding overtime and other compensation) up to a maximum monthly benefit of $8,000. Your total disability income from the LTD Plan and all other sources, plus family Social Security disability benefits, cannot be more than two thirds of your basic monthly earnings at the time you become disabled. The minimum monthly benefit, regardless of your income from other sources and family Social Security, is $100.<\/p>\n
You may be entitled to Social Security after you have been disabled for five months. Because the amount of your LTD benefit depends in part on your Social Security benefit, your LTD benefit cannot be correctly calculated until you apply for Social Security. You, or a member of your family, must contact the local Social Security office to start the claim process at the same time you begin your LTD claim process through the School District.<\/p>\n
While your Social Security benefit is being determined, the insurance company will pay your LTD benefit without taking into account what you may receive from Social Security. You will need to first complete and return a reimbursement agreement stating that you will repay the insurance company for any overpayment you receive from a retroactive Social Security benefit. If you do not return the reimbursement agreement, the insurance company will either reduce your benefit by an amount estimated to be your Social Security benefit or suspend your benefits.<\/p>\n
Note that once you’re receiving LTD benefits, any cost of living increase in your Social Security will not reduce your future LTD payments. This means you will receive the advantage of any increases in Social Security.<\/p>\n
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Under the LTD plan, the insurance company can require that you be examined at any time by a physician of its choice to determine if LTD benefits should be awarded, or whether they should continue.<\/p>\n
Your monthly benefit will be reduced by any income payable to you from these sources:<\/p>\n
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Read more about:<\/p>\n
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Long-Term Disability Insurance Related Forms<\/strong>
<\/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