This plans helps to replace a portion of your income due to total disability. LTD will provide you with benefits based on your monthly earnings. Coverage is not available to dependents. Total disability refers to your complete inability to perform the material duties of your regular occupation. However, after you have received a monthly benefit for 60 months, total disability means your complete inability to perform the material duties of any gainful occupation for which you are reasonably fit by training, education, or experience.
Total disability requires the regular care and attendance of a licensed physician.
Partial disability allows you to return to your own occupation on a limited basis without losing your total benefit. This benefit is calculated by taking your percent loss of earnings compared to your pre-disability earnings levels and multiplying this percentage by your total disability benefits. Partial disability benefits are available only if your were first totally disabled under this plan. This plan also contains a Survivor Income Benefit. Pre-existing conditions are not covered for 12 months from your effective date of coverage.