SECTION 4 - DISABILITY INCOME BENEFITS (Continued)
LONG TERM DISABILITY COVERAGE (Continued) Estimation of Benefits How will Your Benefits be Estimated?
Liberty will reduce your Disability or Partial Disability benefits by the amount of Other Income Benefits that we estimate are payable to you and your dependents. Your Disability benefit will not be reduced by the estimated amount of Other Income Benefits if you: 1. provide satisfactory proof of application for Other Income Benefits; 2. sign a reimbursement agreement under which, in part, you agree to repay Liberty for any overpayment resulting from the award or receipt of Other Income Benefits; 3. if applicable, provide satisfactory proof that all appeals for Other Income Benefits have been made on a timely basis to the highest administrative level unless Liberty determines that further appeals are not likely to succeed; and 4. if applicable, submit satisfactory proof that Other Income Benefits have been denied at the highest administrative level unless Liberty determines that further appeals are not likely to succeed. Liberty will not estimate or reduce for any benefits under the Sponsor's pension or retirement benefit plan according to applicable law, until you actually receive them. In the event that Liberty overestimates the amount payable to you from any plans referred to in the Other Income Benefits and Other Income Earnings provision of this plan, Liberty will reimburse you for such amount upon receipt of written proof of the amount of Other Income Benefits awarded (whether by compromise, settlement, award or judgement) or denied (after appeal through the highest administrative level). When May Liberty Provide Social Security Assistance? Liberty may help you in applying for Social Security Disability Income Benefits. In order to be eligible for assistance you must be receiving a Monthly Benefit from Liberty. Such assistance will be provided only if Liberty determines that assistance would be beneficial.
Long Term Disability
ADOC-LTD-26
Estimation of Benefits and Social Security Assistance
Made with FlippingBook - professional solution for displaying marketing and sales documents online