Long Term Disability Insurance

Long Term Disability Insurance is intended to provide you with income if you're unable to work, long term, due to an illness or disability. It is different from Long Term Care Insurance (which is an optional coverage that pays nursing care or assisted living expenses related to a long term illness or disability). Long Term Disability Insurance is a mandatory benefit that provides income.

Long Term Disability Insurance has two different plan options. One begins income after 90 calendar days, which pays 55% of your salary to age 65, or one that begins after 180 calendar days, which pays 66 2/3% of salary to age 65. Employees who do not elect a level of coverage within their first 30 days of eligibility will be automatically placed in the 90 day plan. Changes can only be done during Open Enrollment. Income received from Social security, retirement, workers compensation payments, etc. decrease the amount of the benefit received. Claim forms are available in the Benefit Department. Coverage is not available to dependents.

Option A = 55% of base salary, 90 day waiting period to a maximum/month of $8,000.

Option B = 66 2/3% of base salary, 180 day waiting period to a maximum/month of $8,000.

Highlights of Group Long Term Disability Benefits

LIFE AND LONG TERM DISABILITY COVERAGE BOOKLET

For more information, contact person Audrey Martin at 425-408-7612.

You also may wish to purchase Short Term Disability Insurance (Salary Insurance) to provide you with income during the waiting period of the Long Term Disability Insurance. Information on Short Term Disability Plans is available on this website.