United
Heritage Long
Term Disability Benefits
November
1, 2007 - October 31, 2008 |
|
Information provided is in summary
format. Any difference between the summary provided and
actual contract will be settled in favor of the contract.
|
| Class
Description |
You
are generally eligible for LTD coverage if you
are an active
full-time employee working a minimum of 20 hours per week.
|
Percentage
Paid |
66 2/3% of gross
pay; $4,000 monthly
maximum payable. Benefit will be reduced by
other disability payments. |
|
Elimination Period |
You must be disabled
for the longer of 90 days or exhaustion of all sick
leave before payments begin. |
|
Benefit Duration |
To age 65 - Reducing
Benefit Duration |
| Definition
of Disability: |
|
|
First 24 months |
Regular
Occupation |
|
After
24 months |
Any Suitable Occupation |
|
Total Disability
Required? |
Loss of Earnings of
20% may qualify recipient for benefits |
|
Survivor Benefit |
3 x the lesser of 1)
your monthly
income loss multiplied by the benefit percentage; or
2) the maximum monthly benefit shown in the schedule
of insurance |
|
Earnings Definition |
Salary,
Wages, Commissions and Bonuses |
|
Coverage for Pre-Existing Conditions: |
|
|
Definition |
Any injury or sickness
that received care or treatment 90 days prior to
effective date |
|
When Covered |
No benefit payable for
disability that starts in first 12 months, due to
pre-existing condition. |
|
Mental & Nervous |
24 month
maximum benefit |
| Drug and Alcohol Limits |
24 month maximum
benefit |
