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Benefits
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LTD Plan
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Introduction
Long-Term Disability Plan Overview
Participation
How the Plan Works
How to Obtain Benefits
Events that Affect Participation
Terms You Should Know
Benefits Home Benefits Home > Benefit Plans > LTD > How the Plan Works
LTD Plan
  
  

LTD Benefit Duration

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How the Plan Works:
Monthly LTD payments
LTD benefit duration
Tax on your LTD income
Exclusions and limitations
The Monthly Retirement Plan Waiver Benefit

The duration of your LTD benefits depends on your age when benefits commence.

Once LTD benefits cease, you may be eligible for benefits from your participation in a Retirement Plan or for Social Security retirement benefits. You may log on to www.ssa.gov to find information about your Social Security retirement benefits.

The following table shows the maximum period that the plan will pay you benefits as long as you remain disabled.

Age When Benefits Commence Duration of Benefits
60 or younger to age 65 but not less than 5 years
61 to 64 5 years
65 to 69 to age 70 but not less than 1 year
70 and older 1 year