If you remain unable to work after your short-term disability coverage ends, and you are enrolled in associate-paid long-term disability (LTD), you may be eligible for long-term disability benefits.

How LTD works

You can enroll in LTD when you first become eligible for benefits or during a subsequent Open Enrollment period. You may also be able to enroll if you have a status change event like a marriage or divorce, a birth or adoption, or a change in your employment that affects benefits coverage. If you enroll in LTD after your initial eligibility period, evidence of insurability and approval by the insurance company is required before coverage is approved.

You’ll receive 60% of your base pay and bonus up to a maximum of $25,000 per month.

The duration of your LTD benefit depends on your age when benefits begin. If you are under age 65 when LTD benefits begin, benefits continue to your Social Security Normal Retirement Age (SSNRA) as long as you remain totally disabled.

AGE WHEN DISABLED

BENEFITS PAYABLE

Prior to age 63

To SSNRA or 42 months, if greater

Age 63

To SSNRA or 36 months, if greater

Age 64

30 months

Age 65

24 months

Age 66

21 months

Age 67

18 months

Age 68

15 months

Age 69 and over

12 months

Benefits for mental or nervous conditions are limited to two years.

Your Social Security Normal Retirement Age is determined by your birth year as shown below.

YEAR OF BIRTH

NORMAL RETIREMENT AGE

1937 or before

65

1938

65 + 2 months

1939

65 + 4 months

1940

65 + 6 months

1941

65 + 8 months

1942

65 + 10 months

1943 thru 1954

66

1955

66 + 2 months

1956

66 + 4 months

1957

66 + 6 months

1958

66 + 8 months

1959

66 + 10 months

1960 or after

67