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Supplemental Disability Insurance For
Employees Covered under the State Pension Plan

Long-Term Disability Insurance pays you a portion of your earnings if you cannot work because of a disabling illness or injury. You have the opportunity to purchase Long-Term Disability Insurance to supplement the State’s Pension Disability Benefit.

You may purchase coverage that would supplement your State Disability Pension plan up to 66.6% of your earnings. The maximum Long-Term Disability benefit you could receive is $8,000 per month. Your plan includes a minimum benefit of 10% of your earnings or $100 per month. Earnings are defined as in Standard’s contract with your employer.

You are eligible if you are an active STATE OF DELAWARE PENSION COVERED employee who works at least 10 hours per week on a regularly scheduled basis.

Your benefit may be reduced once you reach certain ages specified in Standard’s contract with your employer. In addition, as described below, your monthly Long-Term benefit may be reduced by other income you receive.


Prior to age 63 To normal retirement age* (NRA) or 48 months if greater
Age 63 To NRA* or 42 months
Age 64 36 months
Age 65 30 months
Age 66 27 months
Age 67 24 months
Age 68 21 months
Age 69+ 18 months

*Normal Retirement Age means the Social Security Normal Retirement Age as stated in the 1983 revision of the United States Social Security Act.

 

 

 
Long-Term Disability
Insurance
bullet Employees Covered by the State LTD Plan
bullet Employees Covered by the State Pension Plan
bullet Benefits for Total Disability
bullet Benefits for Successive Disability
bullet Benefits for Partial Disability
bullet Rehabilitation Benefits
bullet Appealing A Claim
What Is Covered
What Is Not Covered
When Coverage Ends
   
Related Forms
level2 bullet Cigna LTD Claim Process
level2 bullet Cigna LTD Claim Form
level2 bullet LTD Insurance Certificate
level2 bullet Hartford LTD Claim Form

Related Links
Standard


 

    Important Legal Information:
Appoquinimink Benefits Online provides only an overview of your benefits from Appoquinimink School District and The State of Delaware. Appoquinimink School District and The State of Delaware reserve the right to amend or to terminate any benefit plan at any time, with or without notice. Review more important legal information about your benefits plans.

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