How the Long-term Disability Plan works
1. Annual premium
You pay an annual premium for coverage, through convenient bi-weekly payroll deductions.

2. Claims
As soon as you become disabled, you complete a Claim Request form to apply for benefits.

3. Elimination period
You must be disabled for 104 weeks before you may receive benefits from the Plan.

4. Benefits
If you are still totally disabled after the 104-week elimination period, you will receive tax-free benefits equal to 50% of your basic monthly salary.

5. Maximum benefits
Benefits will be subject to a maximum of 90% of your net monthly salary upon your disability, including benefits from other sources.

6. Annual increase
Benefits will increase annually to help you keep up with the cost of living.

7. Termination of benefits
Benefits will end upon your recovery, retirement, or 65th birthday, whichever occurs first.