Brandywine Benefits -- LTD

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About Your Benefits
	Program Overview & Summary Plan Description
Your State Benefits
	Medical/Prescription Drugs
	Life Lines
	Blood Bank
	State Group Life Insurance
	Flexible Spending Accounts
	Employee Assistance Program
	Supplemental Benefits
	Wellness
Your School District Benefits
	Dental
	Aetna Prescription Drugs
	Vision Care
	Life and AD&D Insurance
	Long-Term Disability
	What Happens When...?
	Other Important Information

Long-Term Disability
How LTD Works – Rehabilitation Benefits

Benefits may be available to cover the cost of rehabilitation programs. The insurance company will consult with your physician before authorizing coverage for expenses. After rehabilitation has been approved, it is up to you to decide if you want to enter the rehabilitation program. Benefits are provided for all approved expenses, unless the program is available at no cost to you or is provided under another plan sponsored by the School District.


Long-Term Disability Insurance
	Employees Covered by the State LTD Plan
	Employees Covered by the State Pension Plan
	Benefits for Total Disability
	Benefits for Successive Disability
	Benefits for Partial Disability
	Rehabilitation Benefits
	Appealing a Claim
	What Is Covered
	What Is Not Covered
	When Coverage Ends

Related Forms
	Claim Form

Related Links
	The Hartford

Disclaimer: Brandywine Benefits Online provides only an overview of your benefits from Brandywine School District and The State of Delaware. Brandywine 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.