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A long-term disability (LTD)
plan is designed to work with other sources of disability
income to replace a percentage of an employee’s income
if they become disabled as defined by the plan. Other sources
of disability income, including benefits an employee is
eligible to receive from Social Security Disability Insurance
Benefits and Social Security Old Age Insurance Benefits,
typically count toward that percentage.
LTD
plan benefits generally begin after an elimination
period, and end at the earliest of: |
| • |
When
an employee is no longer disabled as defined by the
plan, or |
| • |
The
employee leaves your employment for any reason other
than a covered disability |
| • |
When
an employee reaches the limit for receiving LTD benefits,
which for many plans is an age limit, or |
| • |
Death. |
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