Income Protection
Basic Long-Term Disability (LTD) insurance at no cost replaces 60% of income, and the LTD Buy-Up increases replacement to 66.67%, both with a 90-day elimination period.
Income Protection
Basic Long-Term Disability (LTD) Insurance
| Feature | Detail |
|---|---|
| Maximum benefit | $10,000 |
| Elimination period | 90 days |
| Maximum benefit period | Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. |
Maximum benefit
- Detail
- $10,000
Elimination period
- Detail
- 90 days
Maximum benefit period
- Detail
- Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.
Basic LTD Notes
- You and your loved ones depend on your regular income. That’s why Lhoist North America offers disability coverage to protect you financially in the event you cannot work as a result of a debilitating injury. A portion of your income is protected until you can return to work or you reach retirement age.
- Benefits are available at no cost.
- Certain exclusions, along with pre-existing condition limitations, may apply.
Long-Term Disability Buy-Up Insurance
| Feature | Detail |
|---|---|
| Maximum benefit | $10,000 |
| Elimination period | 90 days |
| Maximum benefit period | Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. |
Maximum benefit
- Detail
- $10,000
Elimination period
- Detail
- 90 days
Maximum benefit period
- Detail
- Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.
LTD Buy-Up Notes
- If your base salary is $400,000 or above, you will not be eligible to purchase the LTD Buy-Up. Evidence of Insurability (EOI) is required for enrollment.
- Certain exclusions, along with pre-existing condition limitations, may apply.