The College provides full-time employees long-term disability (LTD) insurance which is integrated with Social Security Benefits and other forms of disability compensation. LTD coverage is effective the first of the month following 31 days of continuous employment, as long as the employee is actively at work on the day coverage is due to become effective.
Pre-existing conditions are not covered. A pre-existing condition is defined as any treatment received in the three (3) months prior to your effective date of coverage. In addition, any disability that begins during the first 12 months you are continuously covered under this policy due a pre-existing condition will not be covered. LTD provides income when an injury or illness results in an employee’s continuous disability beyond a 90-day elimination period. If approved by the insurance carrier, the monthly income benefit is 60 percent of the employee's base monthly earnings in effect immediately prior to disablement. If secondary disability income benefits are received, the maximum total monthly benefit from all benefit sources will be 70 percent of the base monthly earnings. The Program complies with the Age Discrimination Act for disability occurring after age 60.
In addition to the monthly income benefit, the insurance company will make a monthly payment to the disabled employee's basic retirement plan.
HR Contact: Julie Nohrenberg, 531-622-2232, or Cindy Croy, 531-622-2231