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Long-Term Disability

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 Benefit Table

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, being unable as a result of 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 disabled when earning 60% or more of pre-disability earnings in any occupation.

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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

LEARN MORE 

Understanding Disability, Long Term Care, and Life Insurance

The Standard Travel Assistance Program

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LSR7 Benefit Stories

I cannot say enough good things about the Complete Health and Wellness Center! Every single time I have interacted with staff they have been welcoming and kind. I had a telehealth appointment scheduled and after talking through my concerns, Shelly Lynch had me come on in to the clinic for an in person exam so that she would be able to refer me on to additional services. The staff is accommodating, understanding, and very professional. What a great benefit for our LSR7 staff!

- Ashley Brouillette, Teacher, PVE

Erin Jensen helps me with any questions I have, it does not matter what it is!!! I have her in my phone for quick dial because she seriously is my "Go To" person! And if she does not know the answer, which by the way is not often, she wil lfind out for me and get right back with me. She is awesome!!

- Debbie Griffey, Production Staff, HHE Cafeteria

I came to the CHWC with some symptoms that were fairly severe. Not only did the provider I saw take plenty of time to consider a variety of possible causes and remedies, but also offered help with follow-up questions and emailed me several resources. They called a week later to check on how I was doing and continued to offer support weeks after my initial visit. The care I received from the provider, nurses, and other staff at CHWC was far beyond any medical care and follow-up I have ever received.

- Sarah Courtney, Teacher, LSNHS

The drive-up COVID testing was easy and fast with a friendly nurse. And, the follow-up provided helpful, practical advice. I learned things about COVID from the Center's nurse practitioner that I'd never heard before elsewhere! The Wellness Center is a gr8 benefit to employees, and this is not my first positive experience. Through the annual health assessment report (and accompanying LSR7 Inspiring Balance Employee Wellbeing Program), I have improved most all of my "stats and digits."

- David Jackson, Admin Secretary, HPE

Erin Jensen has been so very patient and helpful in assisting me with all the necessary details to complete the new hire beneifts packet. I know that she (as well as others in the Beneifts department) are extremely busy processing important information for many others in the district, however, she in particular has been a "jewel"...Again, Thank you Erin, YOU ROCK!!

- Michell Owens, Teacher, LSNHS

The receptionist greeted me with a smile under her mask and she worked to get me in safely to the clinic. The nurse worked patiently to verify which lab work my doctor was requesting. I appreciate them working in a safe and friendly manner.

- Susan Murphy, Paraprofessional, GBEEC


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.