Page 20 - Fontbonne New Hire
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Long Term Disability (LTD)
You will be eligible to receive a monthly LTD beneit if you meet
the deinition of disability (see below). LTD beneits begin after 90
consecutive days of disability, and are equivalent to 60% of your monthly
earnings to $6,000. The maximum duration for receiving LTD beneits is
to age 65 or your Social Security Normal Retirement Age.
Definition of Disability
You are disabled when Liberty Mutual determines—due to your injury,
or illness—you are receiving appropriate care and treatment from a
doctor on a continuing basis, while unable to perform one or more of the
essential duties of the following.
X Your occupation during the elimination period
X Your occupation, for the two year(s) following the elimination period,
and as a result your current monthly earnings are less than 80% of
your indexed pre-disability earnings
X After two years, any occupation
If, at the end of the elimination period, you are prevented from
performing one or more of the essential duties of your occupation, but
your current monthly earnings are greater than 80% of your pre-disability
earnings, your elimination period will be extended for a total period of
12 months from the original date of disability, or until such time as your
current monthly earnings are less than 80% of your pre-disability earnings
(whichever occurs irst).
20 2018 New Hire Enrollment
You will be eligible to receive a monthly LTD beneit if you meet
the deinition of disability (see below). LTD beneits begin after 90
consecutive days of disability, and are equivalent to 60% of your monthly
earnings to $6,000. The maximum duration for receiving LTD beneits is
to age 65 or your Social Security Normal Retirement Age.
Definition of Disability
You are disabled when Liberty Mutual determines—due to your injury,
or illness—you are receiving appropriate care and treatment from a
doctor on a continuing basis, while unable to perform one or more of the
essential duties of the following.
X Your occupation during the elimination period
X Your occupation, for the two year(s) following the elimination period,
and as a result your current monthly earnings are less than 80% of
your indexed pre-disability earnings
X After two years, any occupation
If, at the end of the elimination period, you are prevented from
performing one or more of the essential duties of your occupation, but
your current monthly earnings are greater than 80% of your pre-disability
earnings, your elimination period will be extended for a total period of
12 months from the original date of disability, or until such time as your
current monthly earnings are less than 80% of your pre-disability earnings
(whichever occurs irst).
20 2018 New Hire Enrollment
