Rose Management Group is providing you the option to purchase Long-term Disability insurance from OneAmerica.

 

 

What is Long-term Disability insurance?

Long-term Disability (LTD) insurance protects your paycheck if you become sick or injured for a long period of time. LTD benefits begin on the 90th day of total disability and pay a portion of your monthly wages.

 

What does it cover?

Long-term Disability insurance can help you maintain financial stability when you are sick or injured by safeguarding your income. It can also provide access to rehabilitation resources that can help you get back to work.
 

What is the benefit amount?

Your benefit is 60% of your monthly pre-disability earnings, up to a maximum monthly benefit of $6,000.

 

How long will I receive benefits?

Your maximum benefit duration depends on your age when disability begins and lasts up to Social Security normal retirement age.   Reduced Benefits Duration table is available upon request.

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What benefits are included in my policy?

• Waiver of premium

• Survivor benefit

• Return to work incentives

 

What limitations does this coverage have?

• Pre-existing condition limitation – 3/12

• Mental illness 2 years

• Drug and alcohol abuse 2 years

• Special Conditions 2 years

 

Any employee who did not enroll previously is allowed to enroll at this time.  There is no EOI needed for late entrants on Vol LTD.