IN THIS SECTION:
Products: EZ LTD Plan
The product provides employees with the choice of insurance coverage that best meets their needs. It offers a variety of plan options, and provides a monthly benefit to eligible employees due to a covered injury or sickness. The employer pays the entire cost of the plan.
Key EZ LTD Product Features
| Eligible Class Descriptions | Between 20 hours and 40 hours, subject to a minimum participation percentage of 100% |
| Benefit Percentages | 60% to a maximum of $1,500 per month |
| Minimum Payment Amount | $100 or 10% of the gross benefit |
| Maximum Benefit Periods | two year, five year, to age 65, Up to Social Security Normal Retirement Age (SSNRA) |
| Elimination Periods | Between 90 and 180 days |
| 24-hour Coverage | For covered injuries or sickness on or off the job |
| Definition of Disability | One year Regular Occupation with reasonable employment option and any occupation; with residual disability |
| Workplace Modification Benefit | A benefit to the employer to facilitate the insured's return to work, if the insured is: (1) receiving an LTD Benefit; and (2) able to return to work for the employer should the employer make a modification to the insured's worksite. The standard maximum benefit is $1,000; filed maximum goes up to $25,000 |
| Vocational Rehabilitation Plan | Helping the insured make a successful reentry into the work force by including incentives and services designed to assist disabled insureds to participate in rehabilitation programs |
| Social Security Assistance | Advice and support is available to the insured regarding filing a claim for Social Security disability benefits or appealing a denial of the insured's claim for Social Security disability benefits |
| Exclusions and Limitations | Included; A pre-existing condition exclusion is also included |
| Return to Work Incentive | Up to 12 months |
Support Services
Our EZ Long-Term Disability plans are packaged with the Employee Assistance Program