City of Nacogdoches 2021 Enrollment Guide
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LONG TERM DISABILITY INSURANCE<br />
CARRIER: LINCOLN FINANCIAL<br />
180 Day Waiting Period<br />
Long-term disability (LTD) insurance will be calculated from your base rate <strong>of</strong><br />
pay (hourly rate) unless you choose to have your benefit calculated from your<br />
prior year’s W2 earnings. Should you elect prior year W2 earnings, you MUST<br />
contact the Human Resources department to request this change.<br />
LTD insurance is designed to help you meet your financial needs during longer<br />
disability periods. Benefit may be <strong>of</strong>fset due to other benefits such as paid<br />
sick leave, workers’ compensation.<br />
• Benefits – 60% <strong>of</strong> your monthly salary limited to $5,000 per month<br />
• Elimination Period: 180 days<br />
• Maximum coverage period: Up to age 65 or SSNRA<br />
• Pre-Existing Condition: If you have a medical condition that begins before<br />
your coverage takes effect, and you recieve treatment for this condition<br />
within the 3 months leading up to your coverage start date, you may not be<br />
eligible for benefits for that condition until you have been covered by the<br />
plan for 12 months.<br />
EMINDER<br />
eview your beneficiary designations<br />
REMINDER<br />
REMINDER<br />
Review your beneficiary designations<br />
Review your beneficiary designations<br />
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