Lincoln Financial

Calhoun City Schools provides, at no cost to employees, Long Term Disability insurance for a cash benefit after you are out of work for 180 days or more due to injury, illness, or surgery. Premiums are paid by Calhoun City Schools.

Benefits at a Glance

Summary of Benefits

Long Term Disability benefits are available to Bus Drivers and Full-Time employees.

Monthly Benefits

Monthly benefit amount is equal to 60% of your monthly salary, up to $6,000 per month.

Benefits begin on the 181st day of disability and coverage continues to age 65, or Social Security full retirement Age, whichever is later.

Disability benefits begin after your sick-leave is exhausted.

Progressive Income Benefit

The Progressive Income Benefit, which is standard on our LTD plans, automatically increases the core benefit by 10 percentage points when an insured employee suffers a serious cognitive impairment or the loss of two or more Activities of Daily Living (ADLs): bathing, dressing, using the restroom, transferring (to and from a bed, chair or wheelchair), continence or eating.

Elimination Period – 180 Days

  • Benefits begin on the 181st day of disability and coverage continues to age 65 or Social Security Normal Retirement Age, whichever is later.
  • Sick Leave MUST be exhausted first, before disability benefits are payable.

Pre-existing Condition

Disabilities caused by pre-existing conditions are not covered, unless the disability begins more than 12 months after the effective date of coverage.  A pre-existing condition is any condition, including pregnancy, for which medical advice, care, diagnosis or treatment was recommended or received, or for which prescription drugs were taken, within 3 months before coverage begins or the increased benefit is effective.

Benefit Offset

  • Amounts of monthly benefits will be reduced by any Social Security or other retirement income being received by the claimant.
  • No benefit will be paid if you are injured on the job or collecting Workers Compensation benefits.
  • Other State Disability Benefits
  • School or Government Retirement Plans

Plan Documents