Page 17 - 2018 Fontbonne Benefit Guide
P. 17
Fontbonne University
Disability
Short Term Disability (STD)—STAFF ONLY* Definition of Disability
We recognize the hardship a non-work related injury or illness resulting You are disabled when Liberty
in lost time from work can have for you and your family. In order to Mutual determines—due to your
have protection for income lost due to an extended absence from work, injury, or illness—you are receiving
you are provided disability protection at no cost to you by Fontbonne appropriate care and treatment from
University. a doctor on a continuing basis, while
unable to perform one or more of
If you meet the deinition of disability as determined by Liberty the essential duties of the following.
Mutual, you will be eligible to receive a beneit equal to 66 2/3% your
pre-disability earnings, to a maximum of $1,500 per week for 13 weeks. X Your occupation during the
Your STD beneits may be reduced by the amount of other income elimination period
you receive for the same disability. The elimination period—the length X Your occupation, for the two
of time of continuous disability which must be satisied before you are year(s) following the elimination
eligible to receive beneits—is seven days. period, and as a result your
current monthly earnings are less
Definition of Disability than 80% of your indexed pre-
You are considered to have a disability when Liberty Mutual disability earnings
determines—due to your injury or illness—you are unable to perform X After two years, any occupation
the duties of your job and are earning less than 20% of your pre-
disability earnings. If, at the end of the elimination
period, you are prevented from
* Faculty should refer to the policy manual for leave of absence policies performing one or more of the
essential duties of your occupation,
Long Term Disability (LTD) but your current monthly earnings
You will be eligible to receive a monthly LTD beneit if you meet are greater than 80% of your pre-
the deinition of disability (see below). LTD beneits begin after 90 disability earnings, your elimination
consecutive days of disability, and are equivalent to 60% of your period will be extended for a total
monthly earnings to $6,000. The maximum duration for receiving LTD period of 12 months from the
beneits is to age 65 or your Social Security normal retirement age. 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).
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Disability
Short Term Disability (STD)—STAFF ONLY* Definition of Disability
We recognize the hardship a non-work related injury or illness resulting You are disabled when Liberty
in lost time from work can have for you and your family. In order to Mutual determines—due to your
have protection for income lost due to an extended absence from work, injury, or illness—you are receiving
you are provided disability protection at no cost to you by Fontbonne appropriate care and treatment from
University. a doctor on a continuing basis, while
unable to perform one or more of
If you meet the deinition of disability as determined by Liberty the essential duties of the following.
Mutual, you will be eligible to receive a beneit equal to 66 2/3% your
pre-disability earnings, to a maximum of $1,500 per week for 13 weeks. X Your occupation during the
Your STD beneits may be reduced by the amount of other income elimination period
you receive for the same disability. The elimination period—the length X Your occupation, for the two
of time of continuous disability which must be satisied before you are year(s) following the elimination
eligible to receive beneits—is seven days. period, and as a result your
current monthly earnings are less
Definition of Disability than 80% of your indexed pre-
You are considered to have a disability when Liberty Mutual disability earnings
determines—due to your injury or illness—you are unable to perform X After two years, any occupation
the duties of your job and are earning less than 20% of your pre-
disability earnings. If, at the end of the elimination
period, you are prevented from
* Faculty should refer to the policy manual for leave of absence policies performing one or more of the
essential duties of your occupation,
Long Term Disability (LTD) but your current monthly earnings
You will be eligible to receive a monthly LTD beneit if you meet are greater than 80% of your pre-
the deinition of disability (see below). LTD beneits begin after 90 disability earnings, your elimination
consecutive days of disability, and are equivalent to 60% of your period will be extended for a total
monthly earnings to $6,000. The maximum duration for receiving LTD period of 12 months from the
beneits is to age 65 or your Social Security normal retirement age. 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).
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