NKCH provides monthly Long-Term Disability (LTD) coverage at no cost to all full-time employees (72 hours or more per pay period) available from Reliance Standard. LTD coverage begins the first of the month following 30 days of employment.
This benefit has a 180-day elimination period. If your LTD claim is approved, the plan will pay 66 2/3 percent of your pre-disability covered earnings up to the maximum allowed under the plan. LTD benefits are reduced by any benefits received from Social Security, Workers Comp, or similar plans according to plan policy.
Employees working a minimum of 32 hours but less than 72 hours may elect a voluntary LTD plan offered by Reliance Standard. Please refer to plan documents for claim and coverage details.