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LONG TERM DISABILITY - OUTLINE
This section includes a brief outline of the Long Term Disability plan. The coverage is provided through Jefferson Pilot Financial Insurance Company.
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Amount of Benefit |
60% of basic monthly earnings, up to a maximum benefit of $8,000 per month |
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When Benefits Begin (elimination period) |
After 90 days of disability |
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Benefit Period |
Age at Disability |
Maximum Benefit Period |
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Less than age 60 60 61 62 63 64 65 66 67 68 69 and over |
to age 65 60 months 48 months 42 months 36 months 30 months 24 months 21 months 18 months 15 months 12 months |
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Minimum Monthly Benefit |
$50 |
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Survivor Benefit |
3 months |
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Integration (benefit reduction) |
The amount of benefit payable is reduced by other similar benefit plans, such as workers' compensation, social security (primary and family), other disability plans, etc. |
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Mental and Nervous Limitation |
24 months |
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Eligibility
All active full-time (20 hours or more per week) employees are eligible the first of the month following 30 days of employment.
Actively at Work
You must be actively at work on the date your insurance is scheduled to be effective in order to become insured under the plan.
Pre-Existing Condition Limitation
The Long Term Disability plan will not cover any disability which is caused by or results from a pre-existing condition and which begins in the first 12 months after the insured employee's effective date.
"Pre-existing condition" means a sickness or injury for which the insured employee received treatment within 3 months prior to the insured employee's effective date.
"Treatment" means consultation, care or services provided by a physician including diagnostic measures and the taking of prescribed drugs and medicines.
Outline
This is intended as only a very brief outline of the main provisions of the plan (eff. 3/1/97). Please refer to your booklet/certificate for a further explanation including eligibility, limitations and exclusions.
Any claim will be administered in accordance with the insurance policy issued to Bastyr University.
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