Long-Term Disability


    LTD Coverage Summary

    Certificate

    This plan replaces 60% of your pre-disability income if you experience an illness, injury, or pregnancy. You must be diagnosed as totally disabled by a qualified physician, remain totally disabled during the 90-day elimination period, and meet all criteria for the plan. The benefit will be reduced by any income received from other sources, such as other disability programs, Social Security, or retirement on a dollar for dollar basis.  This benefit is taxable.  

    NOTE: The maximum plan benefit is based on a salary of $100,000 per year.  Even though your salary may be higher, your benefits will be capped at $5,000 mo.  The minimum benefit is $100 per month.

    You are responsible for filing your claim for these benefits in a timely manner. 
    Contact the Lee County Benefits helpline 533-2363 to start your claim paperwork.

     

    Long-Term Disability (LTD)

    If your disability extends beyond 90 days, LTD provides a monthly income amount in the event you suffer a total or partial disability that results in an extended absence from work for your own non-work-related illness or injury.

    The County pay 100% of your LTD coverage.

     PROGRAM FEATURES

    FEATURE

    LTD INSURANCE BENEFITS

    Benefit Amount

    60% of your per-disability base salary, reduced by any other taxable income you receive*

    Benefit Maximum

    Up to $5,000 per month until you are no longer disabled or until you have met your maximum benefit period

    Elimination (Waiting) Period

    90 days of disability

    Other

    You must be diagnosed as totally disabled by a qualified physician, remain totally disabled during the 90-day waiting period, and meet all criteria for the plan

    Cost

    The cost of LTD coverage is totally paid for you by Lee County

    Benefit Payments

    LTD benefits payments are taxable income because Lee County paid your premiums for you

    *The benefit will be reduced by any income received from other sources, such as other disability programs, Social Security, or retirement on a dollar-for-dollar basis.