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Long-Term Disability

Income for living expenses when you are unable to work.

The Long-Term Disability (LTD) Plan provides a source of income should you experience a qualifying long-term illness or injury that prevents you from working.

Costs and How It Works

You and Pacific share in the cost of the LTD plan. Pacific's LTD plan provides a monthly benefit after you have been totally disabled for 180 days. Benefits continue while you are totally disabled or until you reach the maximum benefit period based on your age at the time of disability.

The monthly benefit amount, when combined with income from all other sources (including Social Security, Workers Compensation, California State Disability or Pacific's Voluntary State Disability Insurance, Sick Leave) will equal 60% of your base pay up to a maximum monthly benefit of $6,000.

In addition to receiving the monthly benefit, Pacific's Long Term Disability Plan also provides a 10% pension payment on your behalf. This means Sun Life will make the pension payment into your existing Group Retirement account at TIAA-CREF.

You must provide proof of continued disability on a regular basis to continue to receive benefits. All disability payments you receive are considered nontaxable income.

Definition of Disability

You are disabled when the insurance carrier determines that you are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury, and you have a 20% or more loss in your indexed monthly earnings due to the same sickness or injury. After 24 months of payments, you are disabled when the insurance carrier determines that due to the same sickness or injury, you are unable to perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience. Sun Life Financial will determine eligibility for benefits.

Coverage Benefits:
  • 60% of monthly base pay

Coverage Categories:

  • Enrollment mandatory

All benefits subject to plan limitations.