Monthly Benefit will be paid after the Elimination Period when we receive proof that the insured is disabled and is under the regular care of a Physician. The benefit will be paid up to the Maximum Benefit period, as long as the insured remains disabled and under a Doctor’s care.

Benefit Options

Elimination Period (days)	30	60	90	180	360
% of salary replaced	50%	60%	66 2/3%
Maximum Benefit Period	2 yrs.	3 yrs.	5 yrs.	Age 65	to SSNRA*
Total Disability (regular occ)	12 MOs	24 MOs	36 MOs	60 MOs	to Age 65
Working Benefit	12 MOs	24 MOs			Unlimited

 Maximum monthly benefit - $2,000 up to $30,000
 Employees may pay some, all, or none of the premium.
     *Social Security Normal Retirement Age

Elimination period means the number of days that the insured must be disabled before benefits begin.

Three Month Survivor Benefit pays a lump sum benefit equal to three times the insured’s last gross monthly benefit payment, to an eligible survivor, if an employee dies after being disabled for 6 months or longer and while receiving benefits.

Mental Illness Limitation provides coverage for up to one or two years. The limitation can also include Self Reported Symptoms. This limitation is optional for groups with 50 or more lives and if included, is a cost containment feature.

Temporary Recovery - If a disabled employee who was receiving benefits returns to work for less than six months and has a recurrence of the same disability, that disability will be considered a continuation of the old one, and a new Elimination Period will not have to begin.

Definitions Of Disability
Limited (12, 24, 36, or 60) Months Regular Occupation
* Must be totally disabled from “regular occupation” through out the Elimination Period to qualify for benefits.
* After the limited number of months, must be totally disabled from any gainful occupation.
* If Residual is included, partial disability may be used to satisfy the Elimination Period as long as there is a 20% or more loss of earnings.

Extended Regular Occupation
* Must be totally disabled from “regular occupation” through out the Elimination Period to qualify for benefits.
* There is no cut off period as the “regular occupation” period is unlimited.
* If Residual is included, partial disability may be used to satisfy the Elimination Period as long as there is a 20% or more loss of earnings.

Limited 24 Month/Activities of Daily Living
* Must be totally disabled from “regular occupation” through out the Elimination Period to qualify for benefits.
* Benefits will continue beyond 24 months if the insured remains disabled and is unable to perform one or more Activities of Daily Living, without standby help, or has a cognitive impairment or a terminal illness.
* If Residual is included, partial disability may be used to satisfy the Elimination Period as long as there is a 20% or more loss of earnings.

General Exclusions - Disabilities resulting from war, active participation in a riot, intentionally self inflicted injuries, or attempt to commit a felony are not covered.

Waiver Of Premium - When an employee is receiving LTD benefits, any premium that becomes due is waived.

Pre-existing Condition - Disabilities due to a preexisting condition are not covered for certain periods of time. A pre-existing condition is a sickness or injury the insured received treatment for or where symptoms were present within a certain period of time prior to the insured’s effective date of coverage. The preexisting condition limitation included is determined by the size of the group.

Social Security Integration - Primary and Family, or Primary only.

All Sources - A 60% or 70% All Sources Benefit is also available for some groups. This means that a disabled employee will not receive less than 60 or 70% of pre-disability earnings, including Other Income Benefits.

Cost Of Living Increases - After the first deduction for each of the Other Income Benefits, the monthly benefit will not be further reduced due to any cost of living increases payable under these Other Income Benefits.

Other Income Amounts To prevent overinsurance, LTD payments will be reduced by income the insured receives or is eligible to receive from Social Security, workers' compensation, group disability plans with employer or association, employer retirement plans, formal salary continuation or sick leave plans, state disability plans, unemployment benefits, and etc.

Minimum Monthly Benefit - A disabled employee will never receive less than the greater of 10% of the benefit before any reductions for Other Income Benefits, or $100.00. A $50.00 minimum monthly benefit will be included for some groups.

Definition Of Basic Monthly Earnings means an employee’s basic rate of pay. Overtime pay, bonuses, and extra compensation are generally excluded. Commissions may be included. Other definitions are available.

Additional Benefits included without additional premium:
Workplace Modification Benefit reimburses the employer for modifications to the workplace to accommodate a disabled employee.

Vocational Rehabilitation Service assists the disabled employee in returning to full or part-time employment.

Social Security Assistance is available to the disabled employee in applying for Social Security benefits and assists the employee through the appeal process.

Optional Benefits:
Six Month Survivor Benefit in lieu of the Three Month Benefit.

Escalation Benefit increases the disabled employee’s monthly benefit by 1 % or the change in the CPI index, for up to 5 adjustments.

Retirement Income Protection pays the disabled employee an additional benefit to continue contributions to a 401 (k) Plan or Employer Pension Plan.

Spousal Disability Benefit provides a benefit to an employee’s disabled spouse for up to 24 months. The spouse must be unable to perform two or more Activities of Daily Living without standby help, has a cognitive impairment or a terminal illness.

If you would like information about any of the Group Products United Heritage has to offer Contact Us or Locate an Agent in your area.