Long Term Disability (LTD)
Telephone: 866-779-1054 | Fax: 800-447-2498
Monday-Friday | 4:00 a.m. to 4:00 p.m. Alaskan
All regular full-time and regular part-time employees working at least 20 hours per week are eligible for the benefit. Coverage will begin on the first day of the month following your first 30 days of work.
There is no employee cost to this coverage.
Eligible employees are automatically enrolled for Long-term Disability. There is nothing you need to do to enroll. There is no employee cost for this coverage.
This is a fixed plan offered and no changes to the plan can be made.
There is no bi-weekly premium. This is an employer paid benefit.
Below is some basic information on our LTD plan. Please contact firstname.lastname@example.org for additional information.
What is a disability?
You are disabled when Unum determines that
- you are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury
- you have a 20% or more loss in your indexed monthly earnings due to the same sickness or injury
- you must be under the regular care of a physician in order to be considered disabled
Elimination Period (90 days)
LTD is for serious disabilities that will keep you from working and earning an income for at least 90 days. This 90-day period is the elimination period. You must be continuously disabled through your elimination period. The days that you are not disabled will not count toward your elimination period.
Accumulation Period (180 days)
If you return to work while satisfying your 90-day elimination period, and are no longer disabled, you may satisfy your elimination period within a 180-day accumulation period. If you do not satisfy the elimination period within the accumulation period, a new period of disability will begin.
Benefit Paid to You
After the 90-day period has expired where you are unable to work/earn income, and you have been approved for LTD, the benefit provides you with income protection up to 60% of your salary or a maximum of $3,000 per month.
LTD and the Family Medical Leave Act
Typically, we see LTD come into play after an employee has exhausted their Family Medical Leave entitlement, but this is not always the case. If you believe you may be experiencing an LTD event, please reach out to email@example.com for next steps.
If a Long-term Disability claim needs to be filed, please contact Unum at 866-779-1054.