Long Term Disability
If you are a full-time employee and a member of the optional or integrated plan under the ERS, you are required to have LTD1 coverage (part-time employees who are members of the optional or integrated plan under the ERS are not eligible for coverage). Your coverage becomes effective after 6 months of continuous active service with the County. You are not eligible to participate upon your 70th birthday.
The monthly income benefit under LTD1 is 60% of your basic monthly earnings, up to a maximum of $2,500. Your monthly income benefit will be reduced by certain other sources of income, including amounts you and your dependents may be eligible to receive under Social Security due to your disability.
While covered under LTD1, you are entitled to benefits if you become totally disabled from performing the duties of your occupation due to sickness or accidental bodily injury and remain totally disabled continuously throughout the benefit waiting period of 5 months. After the expiration of the benefit waiting period, you will receive monthly income benefit payments during the continuation of your disability, but for no longer than 12 months.
If your monthly income benefit has been payable for 12 months and your disability completely prevents you from engaging in any occupation for which you are qualified by training, education or experience, you will continue to receive your monthly income benefit.
However, monthly income benefit payments will cease on the earlier of the following dates:
- The date you receive retirement benefits under any pension plan to which your employer contributes or makes payroll deductions, other than benefits which become payable solely because of disability.
- The date shown below, based on when your disability commences: Age 61 or under – your 65th birthday or the day 36 payments have been made, whichever is later. Age 62, 63 or 64 – the date 36 payments have been made. Age 65, 66 or 67 – the date 24 payments have been made. Age 68 or 69 – the date 12 payments have been made.
Effective January 1, 2019, MetLife is the new LTD1 Insurance Company Carrier.
The Standard Insurance Company LTD1 Plan ends after December 31, 2018.
Members of the Retirement Savings Plan (RSP), Guaranteed Retirement Income Plan (GRIP), and Elected Officials are eligible for LTD2.
For more information please visit the Disability Benefits Plan Summary Plan Description.