This benefit partially replaces lost income when an associate is off work for more than six (6) months due to an injury or illness.  On-the-job injuries are covered by Workers' Compensation.  The Long-Term Disability Insurance benefit covers all other injuries or illnesses.

ELIGIBILITY: Regular full-time associates.

EFFECTIVE DATE: After thirty-one (31) days for regular full-time associates.

COST: Premiums are paid entirely by the company for Long-Term Disability benefits.

BENEFIT: The Long-Term Disability Program will pay 60% of the annual W-2 earnings (up to a maximum monthly benefit of $6,000), six (6) months after an associate becomes totally disabled.  It also provides partial pay for partial disabilities and helps in the rehabilitation process.  Please refer to the policy booklet for further details, as eligibility rules and procedures are complex.

TERMINATION: The Long-Term Disability Insurance terminates on the associate's last day of employment.  It cannot be maintained after termination, semi-retirement or retirement.  It may be converted to an individual plan after being in force for one (1) year.  For further information, please contact Benefit Services or consult the policy booklet.

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