Long-Term Disability Benefits

Eligible salaried Eden II employees are offered group long-term disability coverage on a non-contributory basis as part of their overall Eden II School benefits package once they have completed three months of full time employment. The following disability information is only a summary of the group long-term disability benefits you will receive as an eligible salaried Eden II employee.

Please review carefully the attached group long-term disability certificate attached to this webpage for full and accurate group long-term disability benefits information.

Long-Term Disability Plan Features:

• Monthly Benefits Percentage: 60% of Salary
• Maximum Monthly Benefit: $6,000
• Minimum Monthly Benefit: Greater of $100 or 10% of Gross Benefit
• Annual Benefit Adjustment: Equal to Full Chang in CPI Not to Exceed 3%
• Increasing Monthly Wage Base: Compounded Annually at 3%
• Waiting Period: 3 Months after reported disability
• Elimination Period (if a pre-ex does not apply): 3 Months

• Elimination Period (if a pre-ex limitation does apply): The longer of
• (a) 12 months period beginning on the date you became insured under the program
• (b) 3 months
• (c) Any period you are eligible to receive leave or a salary continuation plan where a monthly wage base equivalent is being received periods a, b, or c will run concurrently

• Return to Work During Elimination Period: 90 day leeway
• Work Transition Benefit: 12 Months
• Recurrent Disability: 6 Months
• Normal Occupation Period: 2 Year Own Occupation
• Survivor Benefit: 3x Last Monthly Benefit Paid in Lump Sum
• Rehire Provision: 90 Days
• Leave of Absence Provisions: Up to 2 Years Depending on Reason for Leave
• Integration: Full Family
• Mental/Nervous Limitation: 24 Month Limitation
• Conversion Privilege: Yes to Max Benefit of $4,000
• Mandatory Rehab: Yes
• Pre-Existing Condition Limitation: 3/9
• Benefit Duration:
  • Less than 60 – to age 65
  • 60 But Through 64 – 50 Years
  • 65 through 68 – to age 70
  • 69 or older – 1 Year
• Employee Assistance Program Available with LTD Coverage: Yes