Basic Long Term Disability (BLTD) is provided at no cost when you are enrolled in the state group health plan of your
choice. If approved, 90 days from the onset of a disability BLTD provides a benefit
of 62.5% of monthly base earnings, less certain offsets, up to a maximum benefit of
$800 per month. Taxable benefits are payable for 24 months if you are unable to perform
the duties of your own job and to age 65 if you are unable to perform the duties of
any and all jobs for which you are eligible through education, training or experience.
There is a two-year limit for mental/dependency disabilities.
Supplemental Long Term Disability (SLTD) is a voluntary, employee-pays-all program. This benefit pays 65% of gross monthly
salary, with certain offsets, up to a monthly maximum of $8,000. Non-taxable benefits
are payable for 24 months if you are unable to perform the duties of your own job
and up to age 65 if you are unable to perform the duties of any and all jobs for which
you are eligible through education, training and experience. There is a two-year limit
for mental/dependency disabilities. You may choose either a 90-day or 180-day benefits
waiting period at enrollment. Premiums are based on age and salary. If interested,
please contact one of the Benefits Administrators for a calculation of your monthly
premium.
For more information about long term disability, see pages 123-135 of the IBG.
