Question:

How long will I receive benefits?

Answer:

The length of time that you will receive disability benefits from us depends on four things: A finding of disability, your ability to return to work, your maximum benefit period, and compliance with the terms of your policy. Under the provisions of your short term disability (STD) plan, you will receive benefits for up to the maximum benefit period allowed if we find you to be disabled and all policy provisions satisfied. Please refer to your specific insurance benefit description for your maximum benefit period. For a normal pregnancy and delivery, STD benefits are paid for a maximum of six weeks and up to eight weeks following a cesarean delivery. Under the terms of your long term disability (LTD) policy, during the first 24 months of disability, you will receive benefits if we find you to be disabled and all policy provisions are satisfied. After the initial 24-month period, you must be totally disabled, receiving Social Security Disability Insurance (SSDI) benefits, and must have at least applied for, and be pursuing in good faith, Wisconsin Retirement System (WRS) disability benefits to continue to receive LTD benefits. If all of these criteria are satisfied, and all other policy provisions are met, the chart below will help you determine your maximum benefit period based on your age on the date your disability began. Age at the start of disability: Less than 62...............benefits are payable to age 65 63................benefits are payable for up to 36 months 64................benefits are payable for up to 30 months 65................benefits are payable for up to 24 months 66................benefits are payable for up to 21 months 67................benefits are payable for up to 18 months 68................benefits are payable for up to 15 months 69 or older....benefits are payable for up to 12 months