Page 9 - Hanover Medical Management Sevices - 2022 Benefit Guide

Long-Term Disability:

MetLife

Long-Term Disability Coverage

Hanover Medical Management Services, LLC provides employees with Long-Term Disability coverage
intended to protect your income in case you become ill or injured.

• Benefits begin after 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.

• Maximum Monthly Benefit paid is $5,000 or more based on your income

• Pays for Total and Partial Disabilities caused by accidents and sickness

DEFINITION OF DISABILITY

• Total Disability:
“During the Elimination and Own Occupation Period 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 lasts for 24 months. 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 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.”

• PRE-EXISTING CONDITION:
If you have a medical condition that begins before your coverage takes effect, and you receive treatment
for this condition within the 3 months leading up to your coverage start date, you may not be eligible for
benefits for that condition until you have been covered by the plan for 12 months.
• Reasonable Accommodation - 50% up to $5,000

• Vocational Rehabilitation

**Please see Plan Summaries for Limitations

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