Disability Insurance

The Group Disability Income Plan is a self-funded plan designed to provide you with a continuing source of income if you are unable to work due to a Total Disability, defined in the Definitions of Terms. The Disability Income Plan is composed of two parts: Short Term Disability (STD) and Long Term Disability (LTD). You may be covered under either or both parts.

DISABILITY MASTER PLAN

Short Term Disability

Short-term disability provides you with up to 66% of insured monthly salary (maximum of $10,000) or $6,600/month, whichever is less.  Your benefit will be less if you are receiving worker's compensation, disability retirement, or other disability benefits.  It will always be at least 10% of your insured salary.

Benefits are paid to you for up to five (5) months after you have been certified as totally disabled by an approved practicitioner, used all of your sick leave, extended sick leave, sick leave pool, or completed the waiting period of 30 consecutive days, whiciver is greater.

Your benefit must be approved by Dearborn National, which administers disability insurance for ERS.  Benefits end when you return to work. 

Long Term Disbility

Your long term benefit will be up to 60% of your insured monthly salary (maximum $10,000) or $6,000, whichever is less.

Benefits are paid to you for up to five (5) months after you have been certified as totally disabled by an approved practicitioner, used all of your sick leave, extended sick leave, sick leave pool, or completed the waiting period of 90 consecutive days, whiciver is greater.

Your benefit must be approved by Dearborn National, which administers disability insurance for ERS.  Benefits end when you return to work.

Your benefit will be less if you are receiving Social Security disability, Worker's Compensation, disability retirement, or other group disability benefits.  It will always be at least 10% of your insured salary.

Benefits are paid to you up to the maximum benefit period, which depends on your age when you become totally disabled:

Under 60          Payable to age 65*

60-64                Payable for 60 months

65-69                Payable to age 70*, or 12 months, whichever is greater

70 and over     Payable for 12 months

Benefits end when you return to work.

* Benefits end the first day of the plan month after you reach this age.

Long Term Care