Long-Term Disability
Long Term Disability Insurance
Lee’s Summit School District disability plans can help replace a portion of your salary in the event of a covered medical condition or off-the-job accident.
It's important to ensure your ability to earn a living. Should a sickness or injury strike, your out-of-pocket expenses — not to mention lost time on the job — can impact the financial well-being of you and your family.
Lee’s Summit School District disability plans can help replace a portion of your salary in the event of a covered medical condition or off-the-job accidents. The cost of these coverages is paid by Lee’s Summit School District. These plans are insured through The Standard. To receive benefits, your claim must be submitted to and approved by The Standard.
Long Term Disability (LTD) Benefits
| Plan | Long Term Disability (LTD) – Provided by the District |
|---|---|
| Insurer | The Standard |
| Benefit Waiting Period | Greater of: (1) 180 days, (2) the period in which you receive STML benefits, but not to exceed 365 days |
| Benefit | 66⅔% of the first $15,000 in regular monthly salary (must be approved by District's LTD administrator, The Standard) |
| Maximum Benefit Duration | Social Security Normal Retirement Age* (pending medical necessity and approval by The Standard) *If you are age 62 or older, refer to the LTD plan document for benefit duration |
Definition of Disability
Disability is defined during the benefit waiting period and for the first 36 months for which LTD benefits are paid, as being unable, as a result of physical disease, injury, pregnancy, or mental disorder, to perform with reasonable continuity the material duties of the employee’s own occupation and suffering a loss of at least 20% of pre-disability earnings when working in the employee’s own occupation.
After that period, disability is defined as being unable, due to physical disease, injury, pregnancy, or mental disorder, to perform with reasonable continuity the material duties of any gainful occupation which the employee is able to perform, due to education, training, or experience; is available at one or more locations in the national economy; and the employee can be expected to earn at least 60% or more of pre-disability earnings within 12 months of returning to work, regardless of whether the employee is working in any other occupation. The employee is not considered disabled when earning 60% or more of pre-disability earnings in any occupation.
Long Term Disability (LTD) provides coverage for extended disabilities after your STML benefit is exhausted and is administered by The Standard. The Long Term Disability plan highlights include:
- Salary replacement will be reduced by deductible income (e.g., work earnings, worker’s compensation, state disability payments, etc.)
- A maximum benefit of $10,000 per month
- 24-hour coverage, including for work-related disabilities
- During periods of total disability, waiver of life insurance premium may apply and must be applied for with Unum
- LTD payments received are taxable income
Long Term Disability Plan Document
Review the full details of your coverage in the official plan document:
LEARN MORE
Understanding Disability and Life Insurance
To view this video in Spanish, click here .
The Standard Travel Assistance Program
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Your specific rights to benefits under the Plans are governed solely, and in every respect, by the official Plan documents and insurance contracts, and not by information included in this website. If there is any discrepancy between the descriptions of the Plans as described on this website and the official Plan documents, the language of the documents shall govern. Lee’s Summit School District also specifically reserves the right to revise, modify or terminate the Plans at any time.