No premiums are required to be paid whilst the member is receiving a benefit from the Plan. This benefit is payable for up to five years in the case of disability due to sickness or injury. The only offset that will reduce this benefit are payments the staff member may receive under worker's compensation or similar legislation. Following a period of at least 30 days receiving Total Disability Benefit, a member can receive a Partial Disability Benefit if only a partial return to duties is possible. When an insured employee suffers Total Disability and has received at least three consecutive months' Total Disability Benefits, the company will pay the expenses of an approved rehabilitation program up to a maximum amount of six times the Monthly Benefit.
Many States have legislation which requires schools to have a rehabilitation program in force.
This benefit certainly assists in meeting those costs. Recurrent Disability Should a member who has been receiving disability payments from the Plan suffer a recurrent disability from the same or a related cause, the waiting period will be waived and it will be considered as one period of disability. The recurrence must take place within six months of return to full-time employment. An employee who leaves your employ and commences employment elsewhere or becomes self-employed can apply, through the Plan Adviser, to take out a guaranteed renewable Individual Policy providing comparable benefits to those without providing medial evidence provided the application is made within 30 days of the employee's termination date.