Long-term disability (LTD) replaces a portion of your basic earnings if you are unable to work due to an illness or injury, after you have been disabled for 90 days. Benefits can continue as long as you remain disabled, up to age 65. ACS covers the full cost of coverage that replaces 60% of your basic earnings (offset by other sources of income, such as Social Security disability benefits) at no cost to you. There is a maximum benefit of $15,000 per month. Some benefits are limited:
- - Benefits for disabilities relating to various muscle and soft tissue disorders and mental/nervous disorders are limited to 24 months.
- - Benefits for disabilities relating to substance abuse are limited to one treatment period in a lifetime.
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Questions about your employee benefits or other Human Resources issues? Contact the Workplace Solutions Center at (888) 471-2271.