LONG TERM DISABILITY
You are eligible for LTD coverage on the first of the month after 365 days (1 Year) of benefit eligible service.
Definition of disability
Disabled means that you as an employee are either partially or totally unable to perform your main duties.
There is an elimination period consisting of 90 consecutive days of disability due to an injury or illness.
Monthly benefit amount
The Long Term Disability ( LTD ) Plan provides payment of 60 percent of your monthly income up to a maximum of $5,000 per month.
Cost of benefit
There is no cost to you for LTD coverage at this time. However, if you have group medical and/or dental insurance deductions made through payroll on a pre-tax basis, you are responsible for your own premium payments while on long-term disability leave.
|Age at Disability||Maximum Benefit Period|
|Less than age 60||To age 65, but not less than 5 years|
|69 and over||12 months|
Note: This is a convenient brief summary. Always check your booklet certificate. The contract is the official source of information.
Checking on the status of my disability claim
You now have around-the-clock access to updated claim information online. Unum’s new website for claimants is accessible from our homepage.
Learn more now on the Unum website about how the new claim status website makes it easier for you to track the status of a disability claim.
To qualify for LTD, you will need to obtain the appropriate forms. These forms include a certification from your doctor showing that you are disabled. Your can contact Human Resources for your forms or download your forms by clicking on the following link:
The Piedmont Healthcare Services HR Department can be reached at email@example.com