Your cost for Long Term Disability (LTD) is based on your base annual salary and your age. Base annual salary does not include shift differential pay, overtime, service incentive pay, or lump sum payments. To calculate your pay period cost for Long Term Disability, follow the three steps below:
The City offers full-time employees and part-time employees scheduled to work 20 to 29 hours per week the opportunity to participate in the Long Term Disability (LTD) program. LTD provides a portion of your salary when you are unable to work as a result of an on or off-the-job disability. Provided you qualify, benefits are payable after a 90-day period of disability. This 90-day period is called your benefit waiting period.
If you have a qualifying disability, your monthly LTD benefit is 60% of your base monthly salary, up to a $7,500 maximum monthly benefit. The amount you receive from LTD will be reduced by deductible income you receive from other sources. These sources may include, but are not limited to, income from Workers' Compensation, Wage Continuation, Serious Injury Supplement, the City's retirement systems, Social Security, sick leave, and your work earnings while you are disabled.
You must file an LTD claim within 180 days of the date you become disabled. To file a claim, contact the Employee Benefits Division of the Human Resources Department at 974-3284. The staff will assist you with the application process. After the paperwork has been completed, the carrier determines whether the claim is approved or denied.