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Benefit Payments

Benefit payments begin after the employee has been unable to work for 360 days and Liberty Mutual* has approved the claim.** The employee must be under a physician's care. A claims representative from Liberty Mutual 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. If he or she is:

  • Under age 60: may receive benefits until age 65
  • Age 60 – 64: may receive benefits for up to five years
  • Age 65 – 69: may receive benefits until age 70 (benefits may continue for up to one year if the employee is 69 ½ when the disability first occurs)
  • Age 70 or older:  may receive benefits for one year

Employer-Provided Benefit

Under the Employer-Provided Long Term Disability Plan, clergy are covered for 50% of their regular compensation, up to $5,000 per month, while lay employees are covered for 66 2/3% of their regular compensation, up to $5,000 per month. Benefits for both clergy and lay employees may be reduced by payments from:

  • Workers' Compensation
  • State disability
  • Social Security (lay employees only)
  • A settlement pertaining to the disability
  • Pension benefits (lay employees only)

Voluntary Plan

Under the Voluntary Long Term Disability Plan, employees may choose coverage for either 25% or 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.

For more information:

* Liberty Life Assurance Company of Boston

** For claims occurring on or after January 1, 2016, your claim will be administered by Liberty Mutual. For claims occurring on or before December 31, 2015, your claim will be administered by First Unum Life Insurance Company of America.

Disability Insurance Disclaimer

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