Policy Effective Date: July 1, 2012

Eligibility: All Actively at Work full-time and half-time Commonwealth of Massachusetts employees working in the United States of America who work at least 18 ¾ hours in a 37 ½ hour work week or 20 hours in a 40 hour work week and who have completed the waiting period required by the Employer. Seasonal workers are excluded from coverage, unless they are actively at work for 180 days of continuous employment or more. Dependents are not eligible.

Waiting Period: For employees in an eligible group on or before the Policy Effective Date: The lessor of two full calendar months or 60 Days of continuous active, full-time employment. For new employees entering an eligible group after the Policy Effective Date: The lessor of two full calendar months or 60 Days of continuous active, full-time employment.

Elimination Period: 90 Days

LTD Monthly Benefit: 55% of Monthly earnings to a maximum benefit of $10,000 per month subject to reduction by deductible sources of income or Disability Earnings.

Benefit Offsets: Benefits will be reduced by Social Security, Workers Compensation, Sick Leave, Salary Continuance, vacation, any Public Employee Retirement System Plan, or any State Teachers' Retirement System Plan.
 

Maximum Period Payable:

Age on Date Disability CommencesMaximum Period Payable
Age 61 or youngerTo Your 65th birthday
Age 6242 months
Age 6336 months
Age 6430 months
Age 6524 months
Age 6621 months
Age 6718 months
Age 6815 months
Age 69 or older12 months

This information provided by the Group Insurance Commission .