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This benefit provides salary replacement should you become totally disabled as the result of an accidental injury or illness and are unable to work. Your employer has two options for long term disability benefits.

Check with your employer to find out which of the following two options they offer employees.

OPTION 1

  • Your benefit is calculated at 60% of your regular monthly salary to a maximum of $6,600/month, or 85% of your pre-disability net salary, whichever is less. This benefit is non-taxable.

OPTION 2

  • Your benefit is calculated at 70% of your monthly salary to a maximum of $6,600/month or 85% of your pre-disability gross salary, whichever is less. This benefit is taxable.

Your benefit will begin on the 120th day of continuous/consecutive disability.

You are eligible for benefits for a 24 month period from the date of disability if you are unable to perform the usual and customary duties of your occupation. Thereafter, benefits will continue only if you are unable to perform the duties of any occupation.

A Mandatory Rehabilitation Program benefit is included.

Your long term disability benefit terminates at age 65.