Your coverage continues as long as you remain an eligible employee, the group policy remains in effect and premiums are paid. If the group policy or your employment at Duke terminates while you are receiving benefits, your payments will continue as long as you are disabled and eligible for benefits. Pre-Existing Condition Limitations are included for conditions for which you received medical care during the 12 months prior to your coverage date. No benefits will be payable for that condition unless disability begins after 12 months of coverage. The first 2 weeks of Voluntary STD benefits will not have this limitation.
All plans provide benefits for total disability.
All plans may provide benefits even if you are partially disabled during the benefit waiting period and after. No Voluntary STD premium payments are due while you are receiving Voluntary STD benefits. No Voluntary LTD premium payments are due while you are receiving Voluntary LTD benefits. Both Duke and the insurer, Hartford Life, have vocational rehabilitation counselors that offer return to-work assistance when appropriate. Hartford Life's Voluntary STD and Voluntary LTD benefits are tax-free based on current federal tax laws.