Long-term Disability Income for living expenses when you are unable to work The long-term disability plan (LTD) provides a source of income should you experience a long-term illness or injury outside of work that prevents you from working. How It Works LTD provides a monthly benefit after you have been disabled for 180 days. Benefits continue while you are totally disabled or until you reach the maximum benefit period based on your age at the time of disability. The monthly benefit amount, when combined with income from all other sources (including Social Security, workers’ compensation, California State Disability, sick leave, pension benefits) will equal 60 percent of your base pay up to a maximum monthly benefit of $7,000. You must provide proof of continued disability on a regular basis to continue to receive benefits. All disability payments you receive are considered taxable income in the year payments are received. Note: Department Directors and above have a different LTD benefit, which is provided outside of the My Scripps Benefits program. For additional information, call the HR Service Center at 858-678-MyHR (6947) or email hr@scrippshealth.org. Definition of Disability For the first 30 months, you are totally disabled when, as a result of sickness or injury, you are unable to perform with reasonable continuity the substantial and material acts necessary to pursue your usual occupation in the usual and customary way. After benefits have been paid for 24 months of disability you are totally disabled when, as a result of sickness or injury, you are not able to engage with reasonable continuity in any occupation in which you could reasonably be expected to perform satisfactorily in light of your age, education, training, experience, station in life, and physical and mental capacity. The loss of a professional or occupational license or certification does not, in itself, constitute disability. Important Note If you leave Scripps, you may be eligible to continue your LTD policy provided you contact the insurance carrier within 31 days of termination of employment. Portability criteria is outlined in the Summary Plan Document (SPD) which is available on ScrippsConnect.org. Rates may be different from employee contributions under My Scripps Benefits. Quick Facts ELIGIBILITY/ENROLLMENT • F ull-time and part-time benefit-eligible employees are eligible the first of the month following 60 days of employment; must enroll within 60 days of hire • D epartment Directors and above, Fellows and Residents are eligible the first day of employment; must enroll within 31 days of hire OPTIONS • Benefit of 60% of base pay after a 180-day elimination period OPEN ENROLLMENT/MID-YEAR CHANGES • Current employees can make changes during the Open Enrollment period or within 31 days of a Qualifying Life Event • Enroll or make changes online using the benefits web enrollment system RESOURCES • ScrippsConnect.org: Long-term disability Summary Plan Description • Scripps HR Service Center – 858-678-MyHR (6947): to report a Qualifying Life Event during the year, submit a claim, or general questions Evidence of Insurability (EOI) Voluntary LTD does not require evidence of insurability. In other words, there is no health questionnaire, and you are guaranteed coverage if you choose this benefit. However, the voluntary LTD policy contains a pre-existing conditions clause. For more information and to enroll, visit https://benefits.scripps.org. 50 FINANCIAL WELLNESS
RkJQdWJsaXNoZXIy NzQzMzY=