Page 13 - NTNSC Benefit Guide 2020

Long Term Disability:

The Hartford

Long Term Disability Coverage

North Texas Neuroscience and Sleep Center, P.A provides employees Long term disability coverage
intended to protect your income in case you become ill or injured.

• Benefits begin 90 days after an injury or illness

• Benefits can continue up to Age 65 or Normal Social Security Retirement Age
• Benefit Amount pays up to 60% of your Income. You may receive an additional 20% with Ability Plus
Benefit (APB) if you have a loss of 2 or more (Activities of Daily Living) for a Total Available Benefit of
80% based on your income loss and/or definition of disability

• Maximum Monthly Benefit paid is $6,000.

• Pays for Total and Partial Disabilities caused by Accidents and Sickness

DEFINITION OF DISABILITY

• Disability:

“During the Elimination and Own Occupation Period, it means that due to an injury or sickness the insured
employee is unable to perform each of the main duties of his or her own occupation”. The Own
Occupation period last for 3 year or more, after that you must meet the criteria for Disability from ANY
occupation to receive benefits until Social Security Retirement age.

• Partially Disabled:

“During the Elimination and Own Occupation Period, it means that due to an injury or sickness, the insured
employee: A: is unable to perform one or more of the main duties of his or her own occupation; or is
unable to perform such duties full-time; and B: is engaged in partial disability employment.”

• Ability Plus Benefit (APB):

“The Ability Plus Benefit, which is standard on our LTD plans, automatically increases the core benefit by 20
percentage points when an insured employee suffers a serious cognitive impairment or the loss of two or
more Activities of Daily Living (ADLs).
• Survivor Income

Please see Plan Summaries for Limitations

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