Long-Term Disability Plan

The Long-Term Disability (LTD) Plan provides you with 50% of your base earnings when you are disabled due to illness or injury for a long period of time.

This plan is available to all full-time and regular part-time employees at no cost to you.

Employees are able to purchase an additional 10% rider that, in effect, protects a total of 60% of base earnings up to a maximum monthly benefit of $15,000.

Your benefits may be reduced by other disability benefits you receive such as Social Security, workers’ compensation or rehabilitation benefits.

You may choose to be taxed on either:

  • The premium, or
  • The monthly benefit, if ever disabled.

For more detailed information, please refer to one of the following: