Disability

As a City of Plano employee, you can elect STD insurance for yourself at your expense to help replace a portion of your income if you become injured or ill and are out of work for an extended period of time. After an elimination period of 21 days (later of 21 days or when sick time is exhausted), the benefit payable is 60% of your base salary up to $1,500 per week and could continue for up to a maximum of 23 weeks.

In order to be considered eligible for STD benefits, you must be approved by the insurance carrier. For further plan information, please refer to your Summary Plan Description of the STD benefits.

Short-Term Disability
Elimination Period:	Greater of 21 days or exhaustion of sick leave
Benefit	Lesser of 60% of pre-disability earnings or up to $1,500
Maximum Benefit Duration:	23 Weeks
Pre-Existing Condition Period:	3 months / 12 months*
*Certain disabilities are not covered if the cause of the disability is traceable to a condition existing prior to your effective date of coverage.

The City of Plano offers you LTD coverage through OneAmerica in the event you cannot work because of illness or injury. If you remain totally disabled and unable to work for more than 180 days, you may be eligible for LTD
benefits. The City of Plano automatically provides you LTD benefits that replace up to 40% of your base pay, up to a maximum of $6,000 per month. Your monthly LTD benefit will be reduced by Social Security and any other disability income you are eligible to receive (such as Workers’ Compensation). Benefits can be paid up to Social Security Normal Retirement Age provided you continue to meet the definition of disability.

In order to be  considered totally disabled and eligible for LTD benefits, you must be approved by the insurance carrier. For further plan information, please refer to your Summary Plan Description of the LTD benefits.

Employees can buy additional LTD benefits as a new hire or during open enrollment.

Long-Term Disability	Core LTD (Company Provided)	Buy-Up - Option 1 (Employee Paid)	Buy-Up - Option 2 (Employee Paid)
Elimination Period:		180 days
Benefit	Lesser of 40% of basic monthly earnings not to exceed $6,000	Lesser of 50% of basic monthly earnings not to exceed $7,500	Lesser of 60% of basic monthly earnings not to exceed $9,000
Maximum Benefit Duration:	Social Security Normal Retirement Age	Social Security Normal Retirement Age	Social Security Normal Retirement Age
Pre-Existing Condition Period:		6 months / 12 months/ 24 months