Jefferson Pilot Life Ins.#1 - Laserfiche WebLink

Home Browse Search

SUNNYISLES 1703779 City of Sunny Isles Beach LTD Benefits & Cost Summary (continued) *Our VALUE PLAN Option includes the following provisions: PROGRESSIVE PARTIAL DISABILITY BENEFIT with RETURN TO WORK INCENTIVE: The plan includes our BACK ON TRACK° partial disability benefit. BACK ON TRACK' encourages employees to try to return to work by allowing them to receive an overall higher level of income than they would receive from their total disability benefit. For the first 24 months of partial disability benefits — even if the claimant has received total disability benefits for several years — a partially disabled employee can receive up to 99% of predisability earnings from partial disability employment, LTD Plan benefits and other sources of income ... while still satisfying the earnings test. After 24 months, Jefferson Pilot Financial's BACK ON TRACK® provision will continue to pay partial disability benefits until the employee receives: - 85% of predisability earnings, if the Premier Plan is purchased. - 60% of predisability earnings, if the Value Plan is selected. VOCATIONAL REHABILITATION: Jefferson Pilot Financial offers vocational rehabilitation programs that focus on job modification, retraining and job placement. With the help of these services, many disabled employees are able to return to productive employment. Participation in vocational rehabilitation is voluntary under our Premier Plan; it is mandatory for qualifying claimants covered by the Value Plan. ANY GAINFUL OCCUPATION: The Value Plan includes an 'any gainful occupation' definition of disability after the 24 month own occupation period, which reduces disability benefits if the employee is able to earn 00% of predisability earnings. • FULL EARNING CAPACITY: The Value Plan provides that, disability benefits may be reduced or terminated if an employee is able to return to work, but chooses not to, or chooses not to work to the extent allowed by his /her condition. 24 MONTH BENEFIT LIMITATIONS: Jefferson Pilot Financial's Premier LTD Plan can include maximum benefit duration limits for disabilities caused by mental sickness and /or substance abuse. The Value Plan automatically includes benefit duration limitations for disabilities related to: - mental sickness - substance abuse - environmental sicknesses (e.g. Sick Building Syndrome) - chronic fatigue sicknesses (e.g. Epstein -Barr syndrome) - certain musculoskeietal or connective tissue injuries/ conditions SUBROGATION/THIRD PARTY REIMBURSEMENT - Benefit for claimants covered by the Value Plan will be offset income replacement benefits received from auto liability or other third party payors. Jefferson Pilot Financial Insurance Company 14 11/02/01