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Long-Term Disability
What Is Not Covered

The LTD Plan does not cover disabilities caused by:

  • Attempted suicide or intentionally self-inflicted injury
  • A pre-existing condition due to a sickness or injury during the first 12 months of employment for which you were under a physician's care or receiving treatment within three months prior to the date you became covered under the plan. If disability begins after 12 months of employment, benefits will be payable for conditions in existence on the date of your employment.
  • War (declared or undeclared)
  • An illness or injury that occurs outside the United States
  • An illness or injury that occurs in a local, municipal, provincial or federal prison

If your disability is caused by a mental, pyschoneurotic, or personality disorder, benefits are limited to 24 months. After 24 months, benefits are payable only if you have been confined to a hospital for at least 14 consecutive days. In this case, benefits will be payable for the duration of your confinement and for three months following your confinement.

If you are incarcerated, benefits are excluded for that period of time when you are actually in prison.

 


   
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
The Hartford LTD Claim Form
Cigna LTD Claim Process
Cigna LTD Claim Form
LTD Insurance Certificate for Admins
LTD Insurance Certificate for Non Admins
   
Related Links
The Hartford
Cigna
   

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.

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