Employer-paid Long-Term Disability Insurance
University Of Cincinnati Physicians, Inc | 955001
Protect your paycheck for the long-term An accident or illness can put your life on hold. It may even mean you can’t w ork. How do you pay your bills? Long-term disability replaces part of your income if you can’t work due to a covered disability. You can use this money to help you pay everyday expenses, like your mortgage or rent, utilities, childcare and groceries.
How it works This coverage is provided by your employer at no cost to you!
What did Long-Term Disability insurance mean for Mark? Mark could no longer do his job as a physician after suffering a traumatic biking accident.
Benefits
Monthly benefit after your claim is approved
You will receive a check for your benefits on a monthly basis. It will cover 60% of your Total Monthly Earnings, up to $15,000 each month for physicians, residents and fellowships, and up to $10,000 each month for all other active employees.
Mark filed a claim with Sun Life. We reviewed his medical information , job description and billing procedure codes and approved his claim.
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When benefits begin
Benefits begin as soon as 90 days
• While he was recovering, Mark's case manager talked with him about his return to work options. • Mark returned to work part-time and then increased his hours until he could work a full schedule. Throughout this period, Mark was able to stay on top of his bills. Top 5* Long-Term Disability diagnoses: 1. Musculoskeletal 2. Circulatory conditions 3. Cancer 4. Nervous system disorders 5. Injury
Benefits may be paid for
If your approved disability occurs prior to age 60, your disability benefits will continue for the greater of the following periods: 1. Benefits will be paid until you reach age 65; or: 2. Until you reach the Social Security Normal Retirement Age — as long as you are still unable to work due to a covered disability. If your approved disability occurs after age 60, ask your employer for details. You’re covered for disabilities resulting from injury or sickness 24 hours a day, seven days a week. You may receive additional benefits if your covered disability begins with a hospital stay of 14 days or more.
Additional plan information
More than one in four of today's 20-year-olds will be out of work for 12 months or more for a disabling injury or illness before they reach retirement.**
sunlife.com 800-SUN-LIFE (786-5433)
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