After you have been disabled for a period of at least 180 days and file a claim, you will be paid 60% of your base monthly earnings, up to $5,000 per month, during your disability. However, the amount you receive will be reduced by any other income you receive, like Social Security, pension benefits and Workers’ Compensation.
When you begin receiving your Social Security disability benefits, your long-term disability benefits will be reduced by the amount of your Social Security disability benefits. If your Social Security disability benefits are retroactive, you will be responsible for paying back retroactive reductions to the LTD carrier.
You must be an active, full-time or part-time employee, a participating member of the Transit Employees’ Health & Welfare Plan and represented by the Amalgamated Transit Union Local 689 to be eligible for LTD benefits.
Definition of Disabled
"Disabled" or “Disability” means that, due to sickness, pregnancy or accidental injury, you are receiving appropriate care and treatment from a doctor on a continuing basis and:
- During the 180 days of continuous disability before your long-term disability benefit begins and 36 months following that period, you are unable to earn more than 80% of the salary that you earned before your disability (in the same job); and
- After the 36-month period, you are unable to earn more than 80% of the salary that you earned before your disability occurred in any job for which you are reasonably qualified based on your training, education, experience and former salary.
