Extended Income Protection

Long-Term Disability Insurance (LTD)

Financial security for extended disability—protecting your income when you cannot work for an extended period.

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Benefits Overview

Prescription Benefits

Rx Coverage

Benefit Overview

Long-term income protection when you need it most

What is LTD Insurance?

If you are unable to work due to long-term disability, the Fund's LTD policy provides ongoing income replacement to help you maintain financial stability during recovery.

Coverage Details

Benefit Amount

•Monthly Benefit: 60% of your basic monthly earnings
•Maximum: Up to $3,500 per month
•Minimum: $100 per month

Waiting Period

•Elimination Period: 365 days
•Benefits begin after one full year of continuous disability

How LTD Complements Wage Continuation

Long-Term Disability coverage begins after the 365-day waiting period, which typically follows the wage continuation period. This provides continuous income protection during extended disability.

Maximum Benefit Periods

How long benefits continue based on age at disability

Coverage Duration by Age

The length of time you receive LTD benefits depends on your age when you become disabled:

Age at Disability	Maximum Benefit Duration
61 or younger	To age 65 or SSNRA*, whichever is longer
62	To SSNRA or 3.5 years
63	To SSNRA or 3 years
64	To SSNRA or 2.5 years
65	2 years
66	1 year 9 months
67	1 year 6 months
68	1 year 3 months
69+	1 year

* SSNRA = Social Security Normal Retirement Age

Younger Employees

If you become disabled at age 61 or younger, benefits continue until you reach age 65 or Social Security Normal Retirement Age, providing maximum protection.

Understanding SSNRA

Social Security Normal Retirement Age varies by birth year. This ensures you maintain coverage until you're eligible for full Social Security benefits.

Exclusions & Limitations

What is not covered under LTD insurance

General Exclusions

The following are not covered:

•Disabilities caused by war
•Self-inflicted injuries
•Preexisting conditions (within 90 days before coverage starts)

Exception for Preexisting Conditions: Preexisting condition exclusions do not apply if you have been insured continuously for 12 months.

Limited Conditions (24-Month Maximum)

Disabilities due to the following conditions are covered up to 24 months lifetime, unless you are hospitalized:

•Mental disorders
•Substance abuse
•Other specified limited conditions**

Hospitalization Exception

If you are hospitalized for treatment of these conditions, the 24-month limitation may not apply. Contact the Fund office for specific details.

** Contact the PFT Health & Welfare Fund at (215) 561-2722 for a complete list of limited conditions and detailed exclusion information.

Prescription Benefits While on LTD

Maintaining your prescription coverage

Continued Prescription Coverage

LTD recipients remain eligible for the prescription benefit through the PFT Health and Welfare Fund.

Important

Call the Fund office at (215) 561-2722 for details about maintaining your prescription benefits while receiving LTD payments.

What to Do When Starting LTD

1.Contact the PFT Health & Welfare Fund as soon as your LTD claim is approved
2.Confirm your prescription benefit eligibility and any required documentation
3.Update your contact information and mailing address if needed
4.Ask about coordination with other benefits you may be receiving