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’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.
Benefits for mental or nervous conditions are limited to two years.
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.
New LTD premiums and your enrollment options
As of January 1, 2022, the Company is shifting to a new LTD plan which may have different premium rates than the current LTD plan. You can see the new LTD premium rates effective January 1, 2022 on the online enrollment system at www.direct2HRhealth.com. If you are currently enrolled in associate-paid LTD, your election will automatically roll over to 2022 if you do not take action during Open Enrollment (Nov. 1-Nov. 12, 2021). During Open Enrollment, you have the option to decline coverage via the online enrollment system or by calling 888-255-2269, Option 2.
If you do not decline coverage during Open Enrollment, your LTD coverage will roll over to 2022 at the new weekly premium rates.
If you have questions about LTD coverage, call 888-255-2269, Option 2.