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 Commences | Maximum Period Payable |
|---|---|
| Age 61 or younger | To Your 65th birthday |
| Age 62 | 42 months |
| Age 63 | 36 months |
| Age 64 | 30 months |
| Age 65 | 24 months |
| Age 66 | 21 months |
| Age 67 | 18 months |
| Age 68 | 15 months |
| Age 69 or older | 12 months |
This information provided by the Group Insurance Commission.
