Introduction

To help you find detailed information about your Long-Term Disability Plan benefits, we have divided the site into segments, identified in the bar on the left.

• Long-Term Disability Plan Overview — Contains a brief look at some of the LTD plan features.
• Participation — Provides information on eligibility, automatic enrollment and cost of the LTD Plan. Also informs you about waiver of the three-year service requirement.
• How the Plan Works — Defines disability and gives details on monthly LTD payments, benefit duration, tax on your LTD income, exclusions and limitations and the monthly retirement plan waiver benefit.
• How to Obtain Benefits — Features the claims process and procedures for appealing the denial of a claim.
• Events that Affect Participation — Explains the effect on your LTD benefits if you take a leave of absence. Also clarifies when membership in the LTD Plan ends.
• Terms You Should Know — Defines terms that will help you understand your LTD benefits.

To view and print a copy of the entire LTD Plan description, visit the Forms/Print Library. To see how certain life events may affect your LTD benefits, visit Life Events.