Page 19 - Fontbonne 2020 Benefits
P. 19
2020
Fontbonne University Enrollment Guide
DISABILITY
Long Term Disability (LTD) Short Term Disability
You will be eligible to receive a monthly LTD beneit if you meet (STD)—STAFF ONLY*
the deinition of disability (see below). LTD beneits begin after We recognize the hardship a non-work
90 consecutive days of disability, and are equivalent to 60% of related injury or illness resulting in lost
your monthly earnings to $6,000. The maximum duration for time from work can have for you and
receiving LTD beneits is to age 65 or your Social Security Normal your family. In order to have protection
Retirement Age. for income lost due to an extended
absence from work, you are provided
Definition of Disability disability protection at no cost to you by
You are disabled when Lincoln Financial determines—due to your Fontbonne University.
injury, or illness—you are receiving appropriate care and treatment
from a doctor on a continuing basis, while unable to perform one If you meet the deinition of disability
or more of the essential duties of the following. as determined by Lincoln Financial, you
will be eligible to receive a beneit equal
Your occupation during the elimination period to 66 2/3% your pre-disability earnings,
Your occupation, for the two year(s) following the elimination to a maximum of $1,500 per week for
period, and as a result your current monthly earnings are less 13 weeks. Your STwD beneits may be
than 80% of your indexed pre-disability earnings reduced by the amount of other income
After two years, any occupation you receive for the same disability. The
elimination period—the length of time
If, at the end of the elimination period, you are prevented from of continuous disability which must be
performing one or more of the essential duties of your occupation, satisied before you are eligible to receive
but your current monthly earnings are greater than 80% of your beneits—is seven days.
pre-disability earnings, your elimination period will be extended for
a total period of 12 months from the original date of disability, or Definition of Disability
until such time as your current monthly earnings are less than 80% You are considered to have a disability
of your pre-disability earnings (whichever occurs irst). when Lincoln Financial determines—due
to your injury or illness—you are unable
to perform the duties of your job and
are earning less than 20% of your pre-
disability earnings.
* Faculty should refer to the policy manual for leave
of absence policies.
19
Fontbonne University Enrollment Guide
DISABILITY
Long Term Disability (LTD) Short Term Disability
You will be eligible to receive a monthly LTD beneit if you meet (STD)—STAFF ONLY*
the deinition of disability (see below). LTD beneits begin after We recognize the hardship a non-work
90 consecutive days of disability, and are equivalent to 60% of related injury or illness resulting in lost
your monthly earnings to $6,000. The maximum duration for time from work can have for you and
receiving LTD beneits is to age 65 or your Social Security Normal your family. In order to have protection
Retirement Age. for income lost due to an extended
absence from work, you are provided
Definition of Disability disability protection at no cost to you by
You are disabled when Lincoln Financial determines—due to your Fontbonne University.
injury, or illness—you are receiving appropriate care and treatment
from a doctor on a continuing basis, while unable to perform one If you meet the deinition of disability
or more of the essential duties of the following. as determined by Lincoln Financial, you
will be eligible to receive a beneit equal
Your occupation during the elimination period to 66 2/3% your pre-disability earnings,
Your occupation, for the two year(s) following the elimination to a maximum of $1,500 per week for
period, and as a result your current monthly earnings are less 13 weeks. Your STwD beneits may be
than 80% of your indexed pre-disability earnings reduced by the amount of other income
After two years, any occupation you receive for the same disability. The
elimination period—the length of time
If, at the end of the elimination period, you are prevented from of continuous disability which must be
performing one or more of the essential duties of your occupation, satisied before you are eligible to receive
but your current monthly earnings are greater than 80% of your beneits—is seven days.
pre-disability earnings, your elimination period will be extended for
a total period of 12 months from the original date of disability, or Definition of Disability
until such time as your current monthly earnings are less than 80% You are considered to have a disability
of your pre-disability earnings (whichever occurs irst). when Lincoln Financial determines—due
to your injury or illness—you are unable
to perform the duties of your job and
are earning less than 20% of your pre-
disability earnings.
* Faculty should refer to the policy manual for leave
of absence policies.
19
