While you are receiving long-term disability benefits, your participation in the medical, dental and life insurance plans continues at no cost to you. In addition, the period during which you are disabled will be counted toward retirement benefits. After that, you must be disabled from all substantial gainful employment. That period can be funded by sick pay or short-term disability benefits. Obtain and submit copies of all pertinent medical records.
Benefits are taxable.
Payments will not reflect any pay increases occurring during your disability. LTD Plan benefits apply for Social Security benefits. If the claim is denied in the initial Social Security process, the employee is required to pursue the claim through all appeal levels. Claim review is required periodically. The Disability Claims Unit must grant permission.