Office of Medical Educaiton

Long Term Disability Insurance Plan

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LTD SUMMARY PLAN DESCRIPTION

The Standard Customer Service number is 1-503-321-7000

Policy #168631-A

LSU Health partners with The Standard to provide affordable Long Term Disability (LTD) coverage to protects the financial security of you and your family. The ability to earn an income is something to be cherished and protected – disabilities happen, and they happen more frequently than most think. Can you afford to be disabled?

What is a Disability? Disability is defined in The Standard contract with your employer. The Covered Person is Disabled or has a Disability when We determine that:

A. Own Occupation Definition Of Disability

During the Benefit Waiting Period and the Own Occupation Period, you are required to be Disabled only from your Own Occupation.
You are Disabled from your Own Occupation if, as a result of Physical Disease, Injury, Pregnancy or Mental Disorder:
        1. You are unable to perform with reasonable continuity the Material Duties of your Own Occupation; and
        2. You suffer a loss of at least 20% in your Indexed Predisability Earnings when working in your Own Occupation.

Note: You are not Disabled merely because your right to perform your Own Occupation is restricted, including a restriction or loss of license. During the Own Occupation Period, you may work in another occupation while you meet the Own Occupation Definition Of Disability. However, you will no longer be Disabled when your Work Earnings from another occupation meet or exceed 80% of your Indexed Predisability Earnings. Your Work Earnings may be Deductible Income. See Return To Work Provisions and Deductible Income.

Own Occupation means any employment, business, trade, profession, calling, or vocation that involves Material Duties of the same general character as the occupation you are regularly performing for your Employer when Disability begins. In determining your Own Occupation, we are not limited to looking at the way you perform your job for your Employer, but we may also look at the way, the occupation is generally performed in the national economy. If your Own Occupation involves the rendering of professional services and you are required to have a professional or occupational license in order to work, your Own Occupation is as broad as the scope of your license.

Material Duties means the essential tasks, functions, and operations, and the skills, abilities, knowledge, training, and experience, generally required by employers from those engaged in a particular occupation that cannot be reasonably modified or omitted. In no event will we consider working an average of more than 40 hours per week to be a Material Duty.

B. Any Occupation Definition Of Disability

During the Any Occupation Period you are required to be Disabled from all occupations.

You are Disabled from all occupations if, as a result of Physical Disease, Injury, Pregnancy or Mental Disorder, you are unable to perform with reasonable continuity the Material Duties of Any Occupation.

Any Occupation means any occupation or employment which you are able to perform, whether due to education, training, or experience, which is available at one or more locations in the national economy and in which you can be expected to earn at least 60% of your Predisability Earnings within twelve months following your return to work, regardless of whether you are working in that or any other occupation.

Material Duties means the essential tasks, functions, and operations, and the skills, abilities, knowledge, training, and experience, generally required by employers from those engaged in a particular occupation that cannot be reasonably modified or omitted. In no event will we consider working an average of more than 40 hours per week to be a Material Duty.

Your Own Occupation Period and Any Occupation Period are shown in the Coverage Features. (OWNOCC_ANY_WITH 40) LT.DD.LA.1

Benefit Waiting Period: 90 days 

More information can be found in the LTD Summary Plan Description .

Eligibility

Employees working 40 hours or more per week.

You are eligible on one of the following dates:

If you are a Member on the Group Policy Effective Date, you are eligible on that date you begin continuous employment with the Policyholder.
If you become a Member after the Group Policy Effective Date, you are eligible on the date you begin continuous employment with the Policyholder

Forms

Request for LTD Conversion Materials

LTD Benefits Claim Packet