Benefits At a Glance

Eligible Employees: All active employees except production, maintenance, transportation, service and automobile technicians working at least 30 hours per week. Note: Employees with Commercial Banking Company are covered for long-term disability with a plan insured through the Georgia Bankers Association.

Plan Details

Rehabilitation and Return to work assistance Benefit:

  • 10% or your gross disability payment to a maximum benefit of $1,000 per month
  • In addition, the plan will make monthly payments to you for 3 months following the date your disability ends if we determine you are no longer disabled while:
    • you are participating in the Rehabilitation and Return to Work Assistance program; and
    • you are not able to find employment

Child Care Expense Benefit:

  • While you are participating in the Rehabilitation and Return to Work Assistance program, you may receive payments to cover certain child care expenses limited to the following amounts:
    • Child Care Expense Benefit Amount: $250.00 per month, per child
    • Child Care Expense Benefit Maximum Benefit Amount: $1,000.00 per month for all eligible child care expenses combined

Total Benefit Cap: The total benefit payable to you on a monthly basis (including all benefits provided under this plan) will not exceed 100% of your monthly earnings.

Other Features:

  • Continuity of Coverage
  • Minimum Benefit
  • Pre-Existing: 3/12
  • Survivor Benefit
  • Work Life Assistance Program

Plan Design

Basic Monthly Benefit: 60% of your monthly earnings, at the time of disability, to a maximum of $5,000 per month benefit. Provided at NO COST to you by Langdale. Your benefit payment may be reduced by deductible sources of income and disability earnings. Some disabilities may not be covered or may have limited coverage under this plan.

Elimination Period: Benefits begin the 91st day of disability.

Maximum Benefit Period: Age at Disability Maximum Benefit Period

Review the Benefit Summary for details and other provisions of the Long Term Disability Plan


Age at Disability Maximum Benefit Period
Less than age 60 To Age 65
60 60 months
61 48 months
62 42 months
63 36 months
64 30 months
65 24 months
66 21 months
67 18 months
68 15 months
69 and over 12 months