Benefit Reference Guide - The School District of Palm Beach County

Disability Income Protection
When to Submit a Short Term Disability
Claim
You should file your claim with The Hartford if you anticipate being
disabled or are disabled and will be unable to work for a period
of time that exceeds the elimination period you selected during
enrollment.
How to Submit a Short Term Disability
Claim
You may initiate your claim by calling The Hartford’s toll-free
telephonic claim intake number at 1-800-741-4306 and report
your claim. You will not need to submit a paper claim form as
The Hartford clinical intake specialist will take your information
by phone. However, it will be your responsibility to provide an
authorization form to your physician to be signed/dated and faxed
or mailed to The Hartford. This allows The Hartford to access your
medical information in order to process your claim.
Long-Term Disability Plan
The Long-Term Disability Plan is designed to offer financial security
for you and your family. Features include:
• a benefit amount of up to 60 percent of your pre-disability
monthly salary
• a 180-day elimination period
• a minimum monthly benefit of the greater of $100 or 10% of the
benefit based on monthly income loss before the deduction of
other income benefits
• a maximum monthly benefit amount of $12,500.
How Long are Benefits Payable?
Age AT Disability
Prior to Age 63
Benefit Duration
To Normal Retirement Age (NRA) or
42 months if greater
63 To NRA or 36 months if greater
64 30 months
65 24 months
66 21 months
67 18 months
68 15 months
69 & over 12 months
What is the Definition of Disability?
Disability or Disabled means you are prevented from performing
one or more of the essential duties of your occupation during
the elimination period and your occupation for the 5 year period
following the elimination period, and as a result, your current
monthly earnings are less than 80% of your indexed pre-disability
earnings. After the 5 year period, disability means you are
prevented from performing one or more of the essential duties of
any occupation for which you are qualified by education, training
or experience and that has an earnings potential greater than the
lesser of the product of your indexed pre-disability earnings and the
benefit percentage or the maximum monthly benefit.
If at the end of your elimination period, you are prevented from
performing one or more of the essential duties of your occupation,
but your current monthly earnings are greater than 80% of your
pre-disability earnings, your elimination period will be extended for
a total period of 12 months form the original date of disability, or
until such time as your current monthly earnings are less than 80%
of your pre-disability earnings, whichever occurs first.
What's Not Covered
The policy does not cover and no benefit will be paid for any
disability:
• Unless you are under the regular care of a physician
• That is caused or contributed to by war or act of war, whether
declared or not
• Caused by your commission of or attempt to commit a felony
• Caused or contributed to by your being engaged in an illegal
occupation
• Caused or contributed to by an intentionally self inflicted injury
• If you are receiving or are eligible for benefits for a disability
under a prior disability plan that was sponsored by your
employer and was terminated before the effective date of the
policy.
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