VEHI/Unum Long-Term Disability
July 2, 2002
Same as VEHI Health and Dental Programs.
Minimum Hourly Requirements:
Minimum Unit Size:
Ten employees or greater. (A district may purchase through its SU)
Who Pays for Coverage:
The program is non-contributory for employees.
100% of eligible employees required.
90 continuous days of disability (calendar days).
The two most popular plans include: Plan A, 60% of monthly income; or Plan B, 66.67% of monthly income (decision made at the district level). Some districts may choose a different benefit structure.
Maximum Monthly Benefit:
$10,000. Payments may be reduced due to other sources of income.
Mental and Nervous Disorders:
24 month standard. Extended if hospitalized. Unlimited rider available.
Waiver of Premium:
Yes, once benefit begins for duration of covered disability.
Definition of Disability:
2-year "own-occupation," then "any gainful occupation."
Groups under 249 will be pooled. Groups of 250 or more will be experience rated
Life Insurance Available:
Yes, if LTD is also purchased.