Long-Term Disability Overview
Long Term Disability (LTD) insurance is available to full-time benefit-eligible employees as determined by their bargaining unit contract. For participants of the cafeteria plan, long term disability insurance is a core benefit.
The current LTD carrier is Madison National. Full-time benefit eligible employees are automatically enrolled in LTD insurance within 30 days of their hire date/eligibility.
Long Term Disability (LTD) insurance provides income protection if you become disabled due to injury or illness and cannot work for an extended period of time.
If you have a total disability (see definition below) and cannot work for three months, you will receive a monthly benefit equal to 60% of your pre-disability salary, minus any other income benefits such as workers compensation and Social Security. (There is a $100 per month minimum LTD benefit for qualifying leaves also covered under workers compensation.) Benefits are payable after three months (a 90 day elimination period applies) or the end of accrued sick leave, whichever is greater. The maximum benefit is $6,000 per month. The plan pays benefits up to age 65 or your "Social Security normal retirement age", whichever is later. A pre-existing condition exclusion applies to all new entrants.
Definition of total disability: Inability to perform your regular job or occupation during the first 36 months of disability. After 36 months of disability, total disability is the inability to perform any business or occupation that you might reasonably be trained for considering your education and past experience.
The cost of LTD insurance is based on your annual salary. The current annual rate is $.257 per $100 of annual salary. For employees participating in the cafeteria plan, LTD is a core benefit so it is required to elect this coverage. For all other benefit-eligible employees, the district pays your premium for this coverage, so there is no cost to you to elect LTD coverage.
There is also Identity Theft Protection available. Click here for further information.
LTD Claims and Forms
Claims and Forms:
Claim forms should be sent directly to the address listed on the form.
For questions in plan year 2020 please contact Och's directly at 651-665-3791 if you have questions on how to complete the form or submit a claim.