Long-Term Disability Insurance

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.