Long Term Disability
Benefits at a Glance
The Long-Term Disability Plan is an Erlanger-paid coverage that provides a
tax-free monthly long-term disability benefit.
You are insured under this plan if you are an
active employee that is regularly scheduled to work at least a .52 FTE per week
and have been employed for at least 36 months of continuous employment.
Eligibility is lost upon termination of employment or if an employee status
changes to below a .52 FTE schedule per week.
Proof of disability must be provided and approved by Unum prior to any
benefit being paid.
Your coverage is effective after 36 months
An employee must have been unable to
work for 180 days. Benefits begin the day after the elimination period is
This plan provides a tax-free monthly
benefit equal to 60% of the employee’s base salary up to age 65. The maximum
monthly benefit is $2,500.
Your 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.
If you meet the eligibility criteria, you are
automatically covered under this plan.
Erlanger Health System pays the entire cost of
your coverage for active, eligible employees.