Disability Coverage
Long-Term Disability ( LTD )
The City of Arlington provides a Long-Term Disability ( LTD ) benefit equal to 60 % of your base monthly pay at no cost to you . The following summarizes this coverage , which is administered by Prudential :
• Benefits begin after a 120 day elimination period for a qualifying disability .
• LTD benefits replace 60 % of your base pay to a maximum monthly benefit of $ 6,000 . The benefit is payable for 24 months in which you are unable to perform the essential duties of your own occupation . After 24 months , you must be unable to perform the essential duties of any occupation for which you are reasonably qualified by education , training or experience .
• LTD covers occupational and non-occupational injuries or illness .
• The LTD minimum monthly benefit is $ 50 per month , with a maximum of $ 6,000 per month .
LTD benefits are reduced by other sources of income during disability such as Workers ’ Compensation , Social Security , Texas Municipal Retirement System and other benefits . Refer to plan documents included on the Human Resources portal , Documents and Forms , Disability .
Short Term Disability ( STD )
In addition to LTD , employees have the option to elect Short Term Disability ( STD ) coverage for the period of time prior to LTD going into effect . The STD insurance plan , also administered by Prudential , is designed to replace a portion of lost income when a sickness or injury limits your ability to work and earn a full paycheck . When you are disabled for 14 days from a non-work-related accident or sickness , benefits begin on the 15th day of the qualifying disability and may be paid up to 16 weeks or until you no longer qualify , whichever occurs first .
Employees may elect from one of three options available :
OPTION 1 : 40 % – This plan pays a benefit of up to 40 % of your weekly covered earnings *
OPTION 2 : 50 % – This plan pays a benefit of up to 50 % of your weekly covered earnings *
OPTION 3 : 60 % – This plan pays a benefit of up to 60 % of your weekly covered earnings *
STD rates and additional information on this plan including the group policy which details the Exclusions and Effects of other Income Benefits is located on the Human Resources portal under Documents and Forms – Disability .
* Covered earnings include your base wages or salary and does not include bonuses or any other extra compensation . Short Term Disability benefits are reduced by other sources of income during disability including Workers ’ Compensation . All options include a minimum benefit of $ 25 and a maximum benefit of $ 1,250 per week .
If you elect coverage within 30 days of your date of hire , your coverage will not contain a pre-existing condition limitation . If you do not elect coverage as a new hire , you will be given the opportunity to enroll during the Annual Enrollment period as a late entrant . Late entrants are subject to the pre-existing condition limitation clause excluding coverage for medical conditions treated or diagnosed in the three months prior to the effective date of your STD coverage . Coverage increase amounts are also subject to this pre-existing condition limitation .
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