{"id":1401,"date":"2021-08-07T01:46:51","date_gmt":"2021-08-07T01:46:51","guid":{"rendered":"https:\/\/myaci-benefits.com\/?page_id=1401"},"modified":"2024-01-18T13:28:01","modified_gmt":"2024-01-18T21:28:01","slug":"ltd-2","status":"publish","type":"page","link":"https:\/\/myaci.altimateqod.com\/us\/time-off\/ltd-2\/","title":{"rendered":"Long-Term Disability (LTD)"},"content":{"rendered":"

If you remain unable to work after your short-term disability coverage ends, and you are enrolled in associate-paid long-term disability (LTD), you may be eligible for long-term disability benefits.<\/p>\n<\/div>

<\/span><\/div><\/div><\/div>

How LTD works<\/h2><\/div>

You can enroll in LTD when you first become eligible for benefits or during a subsequent Open Enrollment period. You may also be able to enroll if you have a status change event like a marriage or divorce, a birth or adoption, or a change in your employment that affects benefits coverage. If you enroll in LTD after your initial eligibility period, evidence of insurability and approval by the insurance company is required before coverage is approved.<\/p>\n

You\u2019ll receive 60% of your base pay and bonus up to a maximum of $25,000 per month.<\/p>\n

The duration of your LTD benefit depends on your age when benefits begin. If you are under age 65 when LTD benefits begin, benefits continue to your Social Security Normal Retirement Age (SSNRA) as long as you remain totally disabled.<\/p>\n

\n

AGE WHEN DISABLED<\/strong>
<\/p><\/div><\/div><\/td>

BENEFITS PAYABLE<\/strong>
<\/p><\/div><\/div><\/td><\/tr>

Prior to age 63
<\/p><\/div><\/div><\/td>

To SSNRA or 42 months, if greater
<\/p><\/div><\/div><\/td><\/tr>

Age 63<\/p><\/div><\/div><\/td>

To SSNRA or 36 months, if greater
<\/p><\/div><\/div><\/td><\/tr>

Age 64<\/p><\/div><\/div><\/td>

30 months
<\/p><\/div><\/div><\/td><\/tr>

Age 65<\/p><\/div><\/div><\/td>

24 months
<\/p><\/div><\/div><\/td><\/tr>

Age 66<\/p><\/div><\/div><\/td>

21 months
<\/p><\/div><\/div><\/td><\/tr>

Age 67<\/p><\/div><\/div><\/td>

18 months
<\/p><\/div><\/div><\/td><\/tr>

Age 68<\/p><\/div><\/div><\/td>

15 months
<\/p><\/div><\/div><\/td><\/tr>

Age 69 and over
<\/p><\/div><\/div><\/td>

12 months
<\/p><\/div><\/div><\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n

Benefits for mental or nervous conditions are limited to two years.<\/p>\n

Your Social Security Normal Retirement Age is determined by your birth year as shown below.<\/p>\n

\n

YEAR OF BIRTH<\/strong>
<\/p><\/div><\/div><\/td>

NORMAL RETIREMENT AGE<\/strong>
<\/p><\/div><\/div><\/td><\/tr>

1937 or before
<\/p><\/div><\/div><\/td>

65
<\/p><\/div><\/div><\/td><\/tr>

1938
<\/p><\/div><\/div><\/td>

65 + 2 months
<\/p><\/div><\/div><\/td><\/tr>

1939
<\/p><\/div><\/div><\/td>

65 + 4 months
<\/p><\/div><\/div><\/td><\/tr>

1940
<\/p><\/div><\/div><\/td>

65 + 6 months
<\/p><\/div><\/div><\/td><\/tr>

1941
<\/p><\/div><\/div><\/td>

65 + 8 months
<\/p><\/div><\/div><\/td><\/tr>

1942
<\/p><\/div><\/div><\/td>

65 + 10 months
<\/p><\/div><\/div><\/td><\/tr>

1943 thru 1954
<\/p><\/div><\/div><\/td>

66
<\/p><\/div><\/div><\/td><\/tr>

1955
<\/p><\/div><\/div><\/td>

66 + 2 months
<\/p><\/div><\/div><\/td><\/tr>

1956
<\/p><\/div><\/div><\/td>

66 + 4 months
<\/p><\/div><\/div><\/td><\/tr>

1957
<\/p><\/div><\/div><\/td>

66 + 6 months
<\/p><\/div><\/div><\/td><\/tr>

1958
<\/p><\/div><\/div><\/td>

66 + 8 months
<\/p><\/div><\/div><\/td><\/tr>

1959
<\/p><\/div><\/div><\/td>

66 + 10 months
<\/p><\/div><\/div><\/td><\/tr>

1960 or after
<\/p><\/div><\/div><\/td>

67
<\/p><\/div><\/div><\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":1304,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1401","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/myaci.altimateqod.com\/us\/wp-json\/wp\/v2\/pages\/1401","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myaci.altimateqod.com\/us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myaci.altimateqod.com\/us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/myaci.altimateqod.com\/us\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/myaci.altimateqod.com\/us\/wp-json\/wp\/v2\/comments?post=1401"}],"version-history":[{"count":26,"href":"https:\/\/myaci.altimateqod.com\/us\/wp-json\/wp\/v2\/pages\/1401\/revisions"}],"predecessor-version":[{"id":6751,"href":"https:\/\/myaci.altimateqod.com\/us\/wp-json\/wp\/v2\/pages\/1401\/revisions\/6751"}],"up":[{"embeddable":true,"href":"https:\/\/myaci.altimateqod.com\/us\/wp-json\/wp\/v2\/pages\/1304"}],"wp:attachment":[{"href":"https:\/\/myaci.altimateqod.com\/us\/wp-json\/wp\/v2\/media?parent=1401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}