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Benefits — Section 3 LONG-TERM DISABILITY Long-term disability insurance is available to all full-time Earlham employees upon the beginning date of full-time employment at the employee's expense. After completing one continuous year of full-time service, all full-time Earlham employees are automatically enrolled in the long-term disability insurance plan at Earlham’s expense. To establish eligibility for long-term disability insurance benefits, the employee must submit a completed claim form signed by his/her physician to the Earlham Business Office. Only after a completed claim form is submitted and disability status is accepted by the insurance company can benefits begin. Eligibility for disabled status is at the sole determination of the insurance company. Under this program, an employee who is unable to work because of serious illness (including pregnancy-related conditions) or injury continues to receive a portion of his/her salary. However, there is a 180-calendar-day waiting period before the insurance benefits begin following the illness or injury. During the first year of full-time employment, the employee, though he/she may be enrolled in the long-term disability insurance plan at his/her own expense, does not receive any compensation (unless accumulated sick time or vacation time is available) during the 180-day waiting period. After the first year, Earlham not only takes over the cost of insurance premiums but also provides some compensation during the 180-day waiting period (see the appropriate Intermediate-Term Disability plan in section 16). Once the long-term disability insurance goes into effect, an employee receives compensation equivalent to 60% of his/her regular gross wages reduced by other benefits such as Workers' Compensation or Social Security for which the employee is eligible. (e.g., if 60% of the employee's gross pay is $400 and he/she receives $100 in Social Security benefits, the employee would receive $300 from the insurance company). The insurance company will also make contributions on the employee's behalf to the Earlham College pension plan. The payment of benefits will continue until rehabilitation or until the employee's eligibility ends. There is a maximum monthly payment. Consult your plan book for the full provisions and limitations of the plan. Earlham allows employees receiving long-term disability benefits to continue coverage in the life insurance and personal accident insurance policies by billing these employees for their monthly premium amounts. Eligibility for these policies will end if, at any time, the employee's premiums are 30 days past due. In the event that a full-time employee is disabled and receiving Long-Term Disability benefits, Earlham will continue to pay the employer portion of the employee's group health insurance premium. A detailed plan booklet is available from the Business Office. Earlham will also bill employees who wish to extend their dependent health care coverage while receiving Long-term Disability benefits. If at any time, the employee's dependent health care premium contributions are 30 days past due, the dependent's Earlham health insurance coverage will end, and COBRA coverage will be extended to the dependent. Contact the Business Office to make arrangements for these billing procedures. While receiving Long-term Disability benefits, all de minimus fringe benefits and Tuition Remission at Earlham continue but only the health insurance, pension and group life insurance paid benefits are continued as described above. In the event that the employee is no longer eligible for long-term disability benefits and does not return to employment at Earlham, then health care coverage will continue at the employee’s expense under the eligibility requirements described in the plan book. |
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Earlham College · 801 National Road West · Richmond,
Indiana 47374-4095 |