The City provides Long-Term Disability (LTD) insurance, at no cost, to benefit-eligible employees through Cigna. The LTD benefit pays the employee a percentage of monthly earnings if the employee becomes disabled due to an illness, non-work related accident, or injury. Eligible employees are automatically enrolled in this coverage. Newly hired employees are not eligible for LTD insurance.
Eligibility: All active, full-time employees of the City covered under the 401(a) Defined contribution Retirement Plan, regularly working a minimum of 40 hours per week. Newly hired employees are not eligible to participate in LTD insurance.
Eligibility Waiting Period: First of month following the first day of employment.
Monthly Benefit: 60% to $15,000
Minimum Benefit: Greater of $100 or 10% of benefit
Benefit Waiting Period: 180 days
Definition of Disability: 24 months own occupation
Definition of Covered Earnings: Employee's annual wage or salary excluding bonuses commissions, overtime pay, and extra compensation.
Accumulated Sick Leave: Not included in benefit waiting period
Maximum Benefit Duration: Social Security Normal Retirement Age (SSNRA)
Employer Contribution: 100%
Survivors Benefits: 3 months lump sum
Pre-Existing Condition Limitation: 3 months prior/12 months insured