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Long Term Disability

Basic Long Term Disability (BLTD) is provided at no cost when you are enrolled in the state group health plan of your choice. If approved, 90 days from the onset of a disability BLTD provides a benefit of 62.5% of monthly base earnings, less certain offsets, up to a maximum benefit of $800 per month. Taxable benefits are payable for 24 months if you are unable to perform the duties of your own job and to age 65 if you are unable to perform the duties of any and all jobs for which you are eligible through education, training or experience. There is a two-year limit for mental/dependency disabilities.

Supplemental Long Term Disability (SLTD) is a voluntary, employee-pays-all program. This benefit pays 65% of gross monthly salary, with certain offsets, up to a monthly maximum of $8,000. Non-taxable benefits are payable for 24 months if you are unable to perform the duties of your own job and up to age 65 if you are unable to perform the duties of any and all jobs for which you are eligible through education, training and experience. There is a two-year limit for mental/dependency disabilities. You may choose either a 90-day or 180-day benefits waiting period at enrollment. Premiums are based on age and salary. If interested, please contact one of the Benefits Administrators for a calculation of your monthly premium.

For more information about long term disability, see pages 122-135 of the IBG.

CONTACT INFORMATION
Human Resources
303 Tillman Hall
Rock Hill, SC 29733, USA
803/323-2273
803/323-4861 (fax)
HRhelp@winthrop.edu
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