If you are disabled for more than 26 weeks, you may be eligible for benefits under the Long-Term Disability Plan. (The 26-week period is the elimination period for a long-term disability and equal to the maximum short-term disability period.) To qualify, you must have been an Active participant in the Clergy Pension Plan immediately prior to the date you were determined to be disabled under the Short-Term Disability Plan, your physician must certify that you are disabled (as defined below), and CPF’s Medical Board, designated as Zurich, must concur.
You will be considered disabled if you are unable to perform the material and substantial duties of your own job for up to the first 24 calendar months following approval of benefits under the Long-Term Disability Plan. After this 24-month period, you will be considered disabled if you are unable to perform any occupation by which you are able to earn at least 80% of your Highest Average Compensation, as determined immediately prior to your disability. Interpersonal conflicts or environmental or other hazards in the workplace will not be a factor considered when determining whether you can perform your own job. CPF may require that any determination of disability be made by an appropriate provider of CPF’s choosing and at CPF’s expense. CPF may also require treatment by what is determined to be an appropriate provider.
Once approved for long-term disability benefits, you will receive the following: