$24.50 Group Plan
|Monthly Cost||$24.50 per month|
|85% of wages Non-Industrial Disability
70% of wages Industrial Disability
(No permanent disability offsets)
Maximum Monthly Benefit of $9,500
|Long Term Care Benefit (LTC Plus)||After 60 calendar days, up to $3,000 per month, five (5) year Maximum Benefit Period, non-occupational only – may be payable for disputed Workers' Comp. cases. (Repayable only if settled in your favor.)|
|Waiting Period||30 calendar days - If less than 60 calendar days of personal leave, you may receive 70% of wages after 30 calendar days. Otherwise, 60 calendar days.|
|Benefit Period||Lifetime: Sickness, Accident, & Pregnancy|
|Cost of Living Benefit (COLA)||4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits|
|Return to Work
|$1,000 per month for Non-Industrial Catastrophic Disability if Participant returns to gainful employment|
|Musculoskeletal & Connective Tissue Disorders||Fully covered, no restrictions
|Stress & Substance
|Six (6) months lifetime coverage
(3 months per occurence)
|Waiver of Payment||Waiver of Payment after no-pay status|
|Freeze of Personal
|After 60 calendar days|
|After 60 calendar days, you may use 50% personal leave and receive 50% benefit from Plan or use 100% personal leave and receive $400 per month ($100 per month for Industrial or Disputed Workers' Comp.)|
During Disputed Workers' Comp. Cases
|After 60 calander days - 70% of wages or Maximum Benefit of $9,500 monthly
(Repayable only if settled in your favor)
|Minimum Monthly Benefit||$400 per month - paid in addition to personal leave after 60 calendar days
($100 per month for Industrial or Disputed Workers' Comp.)
|Disability Pension Advance||Up to 70% of wages (max. $9,500 per mo. benefit) may be advanced during retirement processing|
Six (6) months additional benefits to dependent beneficiary
$65,000 Death Benefit on- or off-duty, natural, accidental or terminal illness ($15,000 initial benefit and then $1,000 per month for 50 months).
$10,000 for suicide ($2,000 first 2 years in Plan).
Benefits may be payable within 24 hours of notification.
Effective February 25, 2014. For Illustration only. Please see Plan Document for full details.