PPM Section 14 - Insurance Plans: Long-term Disability, Long-term Care and Travel Accident
PPM Section 14 - Insurance plans: long-term disability and travel accident insurance
Long-term disability insurance
Long-term disability insurance coverage details are outlined in the Employee Handbook. Also see the long-term disability insurance web page.
Enrollment
Eligible employees who wish to enroll in long-term disability insurance must do so in within their first thirty-one (31) days of employment. Employees who wish to enroll in these plans after their first thirty-one (31) days of employment will need to apply for such coverage and will be subject to medical underwriting and the eligibility requirements of the applicable insurance carrier. In this case, coverage is not guaranteed and the carrier retains the right to approve or decline the application.
Continuation while off the payroll
Long-term disability insurance is not continued while an employee is not on the active payroll.
When and if the employee returns to active payroll status, long-term disability insurance
will be reinstated on the same terms and conditions which apply to other employees in the
same position classification as the employee at the time of the return to work.
If, however, the employee is on an unpaid leave (FMLA or sick leave of absence) as the result
of a serious health condition, injury, or accident which also makes the employee eligible
for long-term disability benefits, those benefits remain available to the employee under the
terms and conditions of the long-term disability coverage.
Travel accident insurance
Policy is located in the Employee Handbook.