Benefits Handbook

You may be eligible for benefits from the Individual Disability Insurance Plan if your mental health condition prevents you from performing your job. As with any disability, you must satisfy the requirements of an eligible disability, and your disability must be approved by the Claims Administrator.

There is a two year maximum benefit for mental health conditions, if not hospitalized.

If you become disabled (as determined by the Claims Administrator) because of a mental health condition that results from any cause, then, subject to all other Plan provisions, benefits will be payable:

Mental health condition means any psychological, behavioral or emotional disorder or ailment of the mind, including physical manifestations of psychological, behavioral or emotional disorders, but excluding demonstrable, structural brain damage.

You may be eligible for benefits from the Individual Disability Insurance Plan if your substance abuse problem prevents you from performing your job. As with any disability, you must satisfy the requirements of an eligible disability, and your disability must be approved by the Claims Administrator.

There is a two year maximum benefit, if not hospitalized.

If you become disabled (as determined by the Claims Administrator) because of alcoholism or the non-medical use of narcotics, sedatives, stimulants, hallucinogens, or any other such substance then, subject to all other Plan provisions, benefits will be payable:

The Catastrophic Disability Benefit provides a monthly benefit in addition to the base policy benefit in the event of certain catastrophic disabilities that are likely to increase your living expenses. A Catastrophic Disability is defined as the loss of two or more Activities of Daily Living, including bathing, dressing, eating, toileting, continence and transferring; cognitive impairment; or presumptive disability (the total and permanent loss of hearing, sight, speech or the use of two limbs.