LTD: Class 2

How much coverage do I get? Your employer believes in the importance of Long Term Disability Income Insurance and is providing basic coverage at no cost to you in the amount of: ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya family of companies What is Long Term Disability Income Insurance? While hard to imagine, now is the right time to think about how to replace part of our paycheck when youre injured or ill and cant work. If your recovery time lasts longer than just a few short weeks or months, Long Term Disability Income Insurance can help replace part of your income for the duration of your disability or to normal retirement age. Long Term Disability Income Insurance Help minimize the financial impact of a disabling illness or injury What else is included? With Long Term Disability Income Insurance, youll also have access to these additional benefits to bring you added support when you need it. For a complete description of your available benefits, along with applicable provisions, exclusions and limitations, see your certificate of insurance and any riders. Your policy has a waiting period of 90 consecutive days within 180 calendar days. A waiting period is the amount of time that must pass before your benefits will begin. Any days that you are able to work after the start of your disability will not count towards your waiting (elimination) period. Coverage amounts 60% of your monthly earnings, up to $15,000 per month Benefit Minimum: >$100 or 10% Benefit Maximum: $15,000 Group Name: Ball State University Group Number: 752151 Class: All Eligible Full-Time Exempt and Non-Exempt Staff Conversion provides the opportunity to convert this coverage and pay premiums to the insurer directly if you leave your job. Waiver of Premium maintains your coverage with no premium due while youre receiving Long Term Disability benefits from us. Social Security Disability Income (SSDI) filing assistance when you are ready to file. Survivor Benefit pays an eligible loved one a lump-sum benefit if you pass while receiving disability benefits - 6 times your monthly benefit. Vocational rehabilitation services assist you in returning to work when possible. Workplace modifications may be made to your workplace in order to help you return to work. Family Member Care Expense Benefit may provide a benefit for incurring expenses to care for an eligible family member if you are receiving monthly Disability benefits and participating in a vocational rehabilitation plan. Child Care Expense Benefit may provide a benefit for incurring expenses to care for an eligible child if you are receiving monthly Disability benefits and participating in a vocational rehabilitation plan.