How is a disability defined in order to qualify for benefits?

A disability can be the result of an injury, a sickness, or a pregnancy.  The policy defines disability using an occupation test, an earnings test, or both.  The occupation test states that if you are unable to perform at least one of the material duties of your regular occupation and are under the regular care and attendance of a physician, you are considered disabled.  This "own occupation" definition usually applies for a specific period of time, i.e. 36 months.  Following the "own occupation" period, you will continue to be considered disabled if you cannot work at any occupation for which your education, training and experience qualifies you.  The earnings test states that if you are still able to work, but are unable to earn a certain percentage, perhaps 80%, of your pre-disability monthly earnings because of your condition, you may also be considered disabled.

Administrator FAQNot every LTC Insurance participant received the CNA letter to MLTC Partnership participants - Why?Only those employees who elected specific inflation protection (the lifetime compound Automatic Benefit Increase (ABI) option) received the letter. Click above for more details.Can employees keep their life insurance when they terminate employment?Yes, employees are able to continue both Basic (employer paid) life insurance as well as Optional (employee paid) life insurance under Minnesota Continuation law. Click to find out more.What happens to an employee’s Long Term Care Insurance when they terminate or retire?Because the Long Term Care Insurance is completely portable, the employee will be able to keep the same plan at the same rates. Click on the question for more information.When do employees need to provide a health questionnaire?In most cases employees are eligible for specified amounts of guaranteed issue as new employees. Typically elections made after initial eligibility require completion of a health questionnaire. Click on the title for more details.How do I file a disability claim for my employee and where should it be sent?The disability claim process begins with you completing the appropriate portion of the claim form and then printing it off and getting it to the employee (claimant). Click above to read more.If an employee terminates employment due to a disability can they still file a claim?The disability claim is based on the date of the onset of the disability. Click on the title to read more.How is a disability defined in order to qualify for benefits?A disability can be the result of an injury, a sickness, or a pregnancy. Click the title to read more.

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