Benefits Handbook

Your coverage begins on your eligibility date if you elected coverage within 30 days of when you were first eligible.

Otherwise, if you are Actively-At-Work and you do not elect coverage within 30 days of when you are first eligible; your coverage begins once your Evidence of Insurability application is approved by the Claims Administrator.

If you are absent from work due to disability or leave of absence on the date your coverage would have become effective, your coverage will not become effective until you work one regular working day.

Your eligibility for coverage ends:

Your Optional Long Term Disability Plan coverage ends on the date of your death. If you are receiving disability benefits under this plan, your last check will be prorated through the date of your death.

Your Optional Long Term Disability Plan coverage is suspended on the date you begin an unpaid leave of absence authorized by the Company. Coverage will resume on the date you return to active employment as a regular employee.

Your Optional Long Term Disability Plan coverage ends on the date you no longer satisfy the plan's eligibility requirements.

The Optional Long Term Disability Plan does not offer conversion privileges. You can not convert this disability plan benefit to an individual policy when you are no longer eligible for coverage.