QUALIFYING FOR LTD
The Plan provides you with the safety net of income replacement if you are unable to work for a prolonged period of time because of an illness or injury.
To qualify, you must:
be a member of the Plan
be under the care of a treatment provider
have your disability medically supported
be totally disabled from your own occupation during the elimination period
remain totally disabled from your own occupation for a period of 24 months after the elimination period; this changes after those 24 months are up - see "Change of Definition" below
o "Your own occupation" means the type of work you do (such as welding, computer repair, or teaching), not the specific
job you were doing with your employer
The elimination period means:
for full-time employees - 100 consecutive work days you are unable to work or perform regular duties because of illness or injury
for part-time employees - 20 consecutive calendar weeks you are unable to work or perform regular duties because of your illness or injury
Change of Definition
The definition of disability changes once the elimination period and the 24 months are up. Under the new definition, you are disabled if you are unable to work in any occupation that you are able - or may become able - to perform based on your education, training, and experience that pays not less than 75% of the current rate of pay for the position, class, and step you held before your disability.