Erlanger Health System offers employees a Long Term Disability Plan. This
plan provides financial protection for an employee by paying a portion of the
income while they are disabled. The amount received is based on the amount
earned before the disability began. In some cases, the employee may receive
disability payments even if they work while disabled.
All regular employees in
active employment are eligible for the Long Term Disability benefit.
must be scheduled to work at least 19.5 hours per week.
An employee must have
3 years of continuous active employment before Long Term Disability is in
effect. For certain upper management, this waiting period will not apply.
After an employee
becomes disabled, benefits begin the day after the elimination period is
completed. The elimination period is 6 months.
An employees benefit is 60% of monthly earnings with a maximum
benefit per month.
*Executives, Department Heads, Key Managers, Physicians
60% monthly earnings to a maximum benefit of $6,000 per
*All other employees:
60% of monthly earnings to a maximum benefit
of $2,500 per month.
However, payment may be reduced by deductible
sources of income and disability earnings. Some disabilities may not be
covered or may have limited coverage under this plan.
How to Apply
A Long Term Disability
Form may be obtained in the Human Resources Department. An employee may apply
for Long Term Disability after the 3rd month. However, benefits will not begin
until after the 6th month. UnumProvident determines whether or not an employee's
disability is covered under this plan and if benefits will be