Benefit payments begin after the employee has reached the maximum duration of benefits under their short-term disability plan, and Zurich American Life Insurance Company (Zurich) has approved the claim. The employee must be under a physician's care. A claims representative from Zurich periodically reviews the employee's claim while he or she is receiving benefits. The employee will continue to receive benefits as long as their disability continues and the claim is approved, depending on age at the time they become disabled.
Under the Employer-Provided Long-Term Disability Plan, lay employees are covered for 40%, 60%, or 66.67% of their regular compensation, up to $5,000 or $7,500 per month, depending on the plan you choose. Benefits for both clergy and lay employees are subject to certain restrictions and limitations.
Please note that eligible clergy are provided Long-Term Disability Benefits as a benefit under the Clergy Pension Plan.
Under the Voluntary Long-Term Disability Plan, employees may purchase coverage for 50% of their regular compensation, up to $5,000 per month. Unlike the Employer-Provided Long-Term Disability Plan, the Voluntary Plan does not reduce benefits based on other disability benefits the employee receives.
See Long-Term Disability Publications for detailed Summaries of Benefits for all long-term disability plans.
If you have additional questions about Long-Term Disability Benefits payments, please call Client Services at (866) 802-6333, Monday – Friday, 8:30AM ET – 8:00PM ET (excluding holidays).
Policy Number: CNYEX01112
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