Page 18 - 2019 Fontbonne
P. 18
2019 Benefits Guide
DISABILITY
Short Term Disability Long Term Disability (LTD)
(STD)—STAFF ONLY* You will be eligible to receive a monthly LTD beneit if you meet
We recognize the hardship a non-work the deinition of disability (see below). LTD beneits begin after 90
related injury or illness resulting in lost consecutive days of disability, and are equivalent to 60% of your
time from work can have for you and monthly earnings to $6,000. The maximum duration for receiving
your family. In order to have protection LTD beneits is to age 65 or your Social Security normal retirement
for income lost due to an extended age.
absence from work, you are provided
disability protection at no cost to you by Definition of Disability
Fontbonne University. You are disabled when Lincoln Financial determines—due to your
injury, or illness—you are receiving appropriate care and treatment
If you meet the deinition of disability from a doctor on a continuing basis, while unable to perform one
as determined by Lincoln Financial, you or more of the essential duties of the following.
will be eligible to receive a beneit equal
to 66 2/3% your pre-disability earnings, z Your occupation during the elimination period
to a maximum of $1,500 per week for z Your occupation, for the two year(s) following the elimination
13 weeks. Your STD beneits may be period, and as a result your current monthly earnings are less
reduced by the amount of other income than 80% of your indexed pre-disability earnings
you receive for the same disability. The z After two years, any occupation
elimination period—the length of time
of continuous disability which must be If, at the end of the elimination period, you are prevented from
satisied before you are eligible to receive performing one or more of the essential duties of your occupation,
beneits—is seven days. but your current monthly earnings are greater than 80% of your
pre-disability earnings, your elimination period will be extended for
Definition of Disability a total period of 12 months from the original date of disability, or
You are considered to have a disability until such time as your current monthly earnings are less than 80%
when Lincoln Financial determines—due of your pre-disability earnings (whichever occurs irst).
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
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DISABILITY
Short Term Disability Long Term Disability (LTD)
(STD)—STAFF ONLY* You will be eligible to receive a monthly LTD beneit if you meet
We recognize the hardship a non-work the deinition of disability (see below). LTD beneits begin after 90
related injury or illness resulting in lost consecutive days of disability, and are equivalent to 60% of your
time from work can have for you and monthly earnings to $6,000. The maximum duration for receiving
your family. In order to have protection LTD beneits is to age 65 or your Social Security normal retirement
for income lost due to an extended age.
absence from work, you are provided
disability protection at no cost to you by Definition of Disability
Fontbonne University. You are disabled when Lincoln Financial determines—due to your
injury, or illness—you are receiving appropriate care and treatment
If you meet the deinition of disability from a doctor on a continuing basis, while unable to perform one
as determined by Lincoln Financial, you or more of the essential duties of the following.
will be eligible to receive a beneit equal
to 66 2/3% your pre-disability earnings, z Your occupation during the elimination period
to a maximum of $1,500 per week for z Your occupation, for the two year(s) following the elimination
13 weeks. Your STD beneits may be period, and as a result your current monthly earnings are less
reduced by the amount of other income than 80% of your indexed pre-disability earnings
you receive for the same disability. The z After two years, any occupation
elimination period—the length of time
of continuous disability which must be If, at the end of the elimination period, you are prevented from
satisied before you are eligible to receive performing one or more of the essential duties of your occupation,
beneits—is seven days. but your current monthly earnings are greater than 80% of your
pre-disability earnings, your elimination period will be extended for
Definition of Disability a total period of 12 months from the original date of disability, or
You are considered to have a disability until such time as your current monthly earnings are less than 80%
when Lincoln Financial determines—due of your pre-disability earnings (whichever occurs irst).
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
18
