If information in this chart differs from information in the Long Term Disability Plan Book, the plan book will prevail.
| Definition of Disability | First 24 months: inability to perform the material duties of your own occupation due to a sickness, injury, or pregnancy. Thereafter: you are unable to perform the material duties of any gainful occupation for which you are reasonably able through education, training, and/or experience. |
|---|---|
| Monthly Benefit | 60% basic monthly UW appointment salary (maximum insurable salary is $400 per month basic, $10,000 per month optional). |
| Benefit Offsets | Benefits can be reduced by amounts received from Workers Compensation, Social Security, retirement, earnings paid by your employer, or other group coverage. |
| Disability Caused by HIV | Covered, subject to the pre-existing condition clause. |
| Drug Addiction/Alcoholism | Maximum 24-month benefit period. |
| Mental and Nervous Disorders | Maximum 24-month benefit period unless confined to hospital. |
| Pregnancy/Delivery | Covered, unless pre-existing condition. |
| Working While Disabled | Yes, if schedule is reduced due to disability. Additional Return to Work Incentive available once receiving LTD Benefit. |
| Cost of Living Benefit | Yes |
| Pre-Existing Conditions | Definition: A pre-existing condition is one for which you have consulted a physician, received medical treatment or services, or taken prescribed drugs or medication during the 90 days preceding the effective date of coverage. Coverage for such a condition would be available after insurance is in effect for 12 consecutive months, if you are actively at work at least one full day after the end of the 12-month Exclusion Period. |
| Waiting Period | Options: 30, 60, 90, 120, 180, 240, 300, 360 days. |
| Maximum Benefit Period | Normal benefits to age 65; duration of benefits decreases progressively from age 65 to 69. After age 69, maximum is 12-month duration of benefits. |
| Monthly Premiums | Premiums are a percent of pay and vary with waiting period and retirement plan eligibility. |
| Exclusions | War; intentionally self-inflicted injury while sane or insane. |
| Death Benefit | If you are receiving benefit payments at time of death, survivor benefits could continue for a maximum amount of three times your monthly LTD Benefit. |
| Dependent Coverage | No |
| Conversion Privilege After UW Employment Ends | No |
| Name of Insurance Company | Standard Insurance Co. 900 Southwest Fifth Ave. Portland, OR 97204 |
| More Information | For specific details about the plan, refer to the Long Term Disability Plan Book. |
LTD
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