Long-Term Disability

Long-Term Disability Protection

The LSU System partners with The Hartford to provide Long Term Disability coverage to help you continue to meet your family’s needs in the event of an illness or injury.

If you become disabled and qualify for benefits, LTD coverage will pay you 60% of your monthly salary up to a maximum of $12,000 per month.

Who Can Elect LTD Coverage? This coverage is only offered to an Eligible Employee of the LSU System. Spouse and dependent coverage is not available.

How Much Coverage is Available? This benefit covers 60% of your monthly base salary up to a maximum of $12,000 per month.

Calculate your disability benefit as follows:

________________ x 0.60 = __________________ Monthly Salary Maximum Benefit

Please note that disability benefits through The Hartford may be adjusted for other sources of income.

When Are Disability Benefits Paid? Disability benefits are paid if you are considered disabled and you satisfy a waiting period of 90 days or the exhaustion of sick time (whichever is greater).

How Is Disability Defined? The Hartford uses a dual definition of disability.

You are considered disabled and eligible for benefits if either of the following qualifiers is met:

  • Occupation Qualifier

You are considered disabled if, during the waiting period and the first 24 months thereafter, you are unable to perform the material and substantial duties of your regular occupation due to a disability. After this period, you qualify for benefits if you continue to be unable to perform any occupation for which you are qualified by education, training or experience.

  • Earnings Qualifier

You are considered disabled If you are working in an occupation for which you are qualified by education, training or experience, but are unable to earn more than 80% of your pre-disability earnings due to an injury or sickness. What If I Can Work During My Disability? Total disability is not required during the waiting period. You can continue to work periodically for up to 45 days without beginning the waiting period again. How Long Will I Receive Benefits if I Become Disabled? Benefits will be paid until you are no longer considered disabled, or until you reach the maximum payable period (MPP).

Age at Disability

MPP

Age 61 or less

to Social Security Normal Retirement Age (SSNRA)

62

42 months or normal SSNRA

63

36 months or normal SSNRA

64

30 months or normal SSNRA

65

24 months or normal SSNRA

66

21 months or normal SSNRA

67

18 months or normal SSNRA

68

15 months or normal SSNRA

69+

12 months

Are There Any Exclusions? LTD benefits are not payable for disabilities resulting from:

  • Declared or undeclared acts of war
  • Suicide or self-inflicted injury or sickness
  • Commission or an attempt to commit a felony
  • Pre-existing conditions. If you have a condition for which you received medical treatment or advice in the 3 months prior to your coverage effective date, it is considered preexisting and will be excluded in the first 12 months of coverage. Following 12 consecutive months of coverage, such conditions will no longer be considered pre-existing. Click here to see benefits and services included in LTD coverage

Click here to see benefits and services included in LTD coverage Click here to calculate your Premium rates Click here to view Long Term Disability Plan Document For Additional Information call 1-800-303-9744 or logon to the website at http://groupbenefits.thehartford.com

Long-Term Disability Benefits

Innovative Plan Features to Protect YouTo ensure you have the protection you need in the event of a disability, the following benefits and services are included in LTD coverage through The Hartford.

  • Recurrent Disability

This benefit gives you the ability to return to work without worrying about restrictions should your disability relapse. If you return to work and become disabled again due to the same sickness or injury within six months, you will not have to satisfy a new waiting period in order to receive LTD benefits.

  • Waiver of Premium

If you become totally disabled and are receiving benefits under the policy, your premiums are waived. Keep in mind you must continue to pay premiums during the waiting period.

  • Work Incentive Benefit

This benefit is intended to facilitate a comfortable and productive return to work. For up to 12 months after you return to work, your disability benefits plus your salary may equal 100% of your pre-disability earnings.

  • Survivor Benefit

If you were to die after satisfying the benefit waiting period or after receiving a disability benefit, the same benefit is paid to your beneficiary for three months.

  • Catastrophic Disability Benefit

If you become disabled to the extent that you cannot take care of yourself (feeding, bathing, toileting, transferring, incontinence and/or dressing), The Hartford will increase your monthly benefit by 10%. More importantly, this additional benefit will not be adjusted for other sources of income. In addition, The Hartford will provide training and respite services for the family member who is serving as your care provider.

  • Social Security Assistance

When necessary, The Hartford will provide an advocate to help you apply for and secure Social Security disability benefits. The Hartford will then coordinate benefits with Social Security payments. Please contact Social Security directly to determine your benefit eligibility by calling 1-800-772-1213. You may also view the Plan Document for more information. Is There a Benefit for Mental Health or Substance Above Disabilities? Upon satisfying the waiting period, benefits are payable for mental health or substance abuse claims for 24 months. Confinement in a hospital or institution licensed to provide care and treatment for mental illness will not be counted as part of the mental health limitation.

Long-Term Disability Premiums

How to Calculate Your Premium:Your premium is based on your salary. Calculate your premium as follows: ____________________ x 0.00553 = _______________________ Monthly Salary Monthly Cost

Premium Examples

Monthly Salary

Monthly Premium

Monthly Salary

Monthly Premium

$2,000

$11.06

$3,500

$19.36

$2,500

$13.83

$4,000

22.12

$3,000

$16.59

$4,500

$24.89