• EligibilityMore Information »

    This benefit is only available to working participants considered "Eligible Employees". No retirees or dependents are eligible.
     
  • Basic Benefit DescriptionMore Information »

    Time Loss Benefits provide a $100 benefit for each week of total disability as defined by the Plan. You receive a prorated benefit for partial weeks of disability.
     
  • DefinitionMore Information »

    "Total Disability" or "Totally Disabled" means that, as a result of an injury or illness, a participant is absent from work, unable to engage in usual duties at work, and is performing no other work of any kind for wage or profit.
     
  • Benefits BeginMore Information »

    Benefits begin with the first day of a Total Disability resulting from an injury or with the eighth day of a Total Disability resulting from an illness.
     
  • Benefits EndMore Information »

    Benefits end after the maximum period of 26 weeks has been paid or as soon as the participant is no longer Totally Disabled as defined.
     
  • Repeat Periods of DisabilityMore Information »

    A new (repeat) period of benefits can occur after the participant becomes disabled again but has been back to work:
    • after 30 calendar days back to work for a total disability resulting from the same cause as the previous period
    • after one day back to work for a disability resulting from a different cause.
     
  • Taxability of BenefitsMore Information »

    This benefit is subject to both Social Security tax (FICA) and to income tax.