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Long-Term Disability Plan

Published on: 6/4/2013 10:45 AM
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The County of Santa Clara offers a voluntary long-term disability plan to all active coded employees. The Long Term-Disability (LTD) Plan offered by Santa Clara County is available to financially aid participants in the event of disability which last longer than sixty (60) days.
 
Long-Term Disability Plan Eligibility:
 
All active hourly and salaried employees holding regular coded positions and working one-half time or more per week are eligible for coverage. This is a voluntary plan fully paid for by the employee. A health clearance may be required.
 
Advantage Of Enrolling Promptly:
 
If you enroll within 30 days of your date of hire, then no health statement is required. If you decline to enroll during this 30 day period and elect to apply for this insurance at a later date, then satisfactory evidence of insurability will be required. A release of your medical records and a physical examination at your own expense may be required. Upon completing a Long-Term Disability Evidence of Insurability form, it may take up to three months for an approval or denial of coverage from the insurance company.
 
Cost Of The Plan:
 
If an employee is covered under the State Disability Insurance Program, then the cost is $0.81 per $100.00 of the biweekly base salary. If the employee is not covered by SDI, then the cost is $1.04 per $100.00 of the biweekly base salary. Your biweekly premium automatically increases as your base salary increases. You may also select a fixed-benefit plan for which the biweekly premium will remain the same regardless of salary increases.
 
Plan Benefits:
 
Plan A: pays two-thirds of your base salary up to a maximum benefit amount of $615.00 biweekly. The base salary cap on this option is $923.00 biweekly.
 
Plan B: pays two-thirds of your base salary up to a maximum benefit amount of $1,153.00 biweekly. The base salary cap on this option is $1,731.00 biweekly.
 
Plan C: pays two-thirds of your base salary with no maximum benefit amount and no salary cap.
 
Plan C Optional: you select a benefit amount that is lower than what your base salary provides. This is a fixed-benefit amount with a fixed premium. Should your salary increase, then your benefit amount and premium will not change.
 
NOTE: Plans A and B are not available to new enrollees. All plans pay a minimum benefit amount of $100 biweekly.
 
Length Of Time Benefits Are Payable:
 
This plan pays benefits for up to two years for illness, and up to five years for accident; however, the County has purchased an insurance policy which provides an enhancement for a catastrophic illness or injury. There is no additional cost to the employee for this enhancement. In addition, this catastrophic plan covers illness or injuries upon expiration of the two or five-year self-funded benefits described above. This insured plan will pay benefits up to age 65 if the employee is disabled and unable to perform any occupations.
 
Other Disability Benefits:
 
The benefit amount you are eligible to receive under LTD may be affected by any other benefits you receive from other disability plans such as State Disability Insurance or Workers’ Compensation. Please see the plan brochure for a further explanation and exclusions.