Voluntary Long Term Disability
Symetra Life Insurance Company
Voluntary Long Term Disability plan sponsored by The Tarrant County Hospital dba JPS Health Network, providing 60% of salary up to $10,000/month after a 90-day elimination period.
Long Term Disability Benefit Highlights
| Benefit | Details |
|---|---|
| Core Benefits | |
| Benefit Amount | 60% of Salary up to $10,000 per month |
|
Elimination Period Number of days you must be disabled to collect disability benefits |
90 days |
|
Accumulation of Elimination Days You can satisfy the elimination period with either total (off work entirely) or partial (working some hours at your current job) disability |
Total or partial disability days both count |
| Maximum Payment Duration | |
|
Less than age 60 Social Security Normal Retirement Age |
To SSNRA |
| Age 60 | 60 months or to SSNRA, whichever is greater |
| Age 61 | 48 months or to SSNRA, whichever is greater |
| Age 62 | 42 months or to SSNRA, whichever is greater |
| Age 63 | 36 months or to SSNRA, whichever is greater |
| Age 64 | 30 months or to SSNRA, whichever is greater |
| Age 65 | 24 months |
| Age 66 | 21 months |
| Age 67 | 18 months |
| Age 68 | 15 months |
| Age 69 and over | 12 months |
| Benefit Limitations | |
| Mental Illness | 24 Months Per Lifetime |
| Substance Abuse | |
| Additional Benefits | |
|
Survivor Income Benefit Payable if insured dies while receiving qualifying disability payments |
Benefit may be paid to beneficiary |
Standard Plan Provisions
| Provision | Details |
|---|---|
| Standard Provisions | |
| Maternity Coverage | Covered the same as any other condition |
|
Recurrent Disability / Temporary Recovery If the same sickness or injury causes disability again within 6 months of the prior disability ending, Symetra will resume monthly payments if insured is covered during temporary recovery |
6-month recurrent disability provision |
| Waiver of Premium | Premium payments suspended while receiving disability income payments |
|
Cost of Living Freeze Except for increases in income earned or received from any form of employment |
Payment not further reduced due to cost of living increases in other income amounts |
| Vocational Rehabilitation | Assistance through testing, training, job modification, and placement |
| Social Security Assistance | Helps insured obtain Social Security disability benefits |
| Continuity of Coverage | Included |
All active benefit-eligible team members scheduled to work at least 40 hours per pay period.
A disability caused by a pre-existing condition is excluded from coverage unless the disability begins after the insured has been covered for 12 consecutive months from their effective date of coverage.
A pre-existing condition is defined as a sickness or injury for which the insured received treatment within 3 months prior to their effective date of coverage — including consultation, care, services, prescribed medicines, or diagnostic measures.
2027: Evidence of Insurability is waived for all team members electing Long Term Disability during the 2027 open enrollment with an effective date of 1/1/2027.
2028: Evidence of Insurability will be required if you waived coverage during your initial new hire eligibility period and wish to elect coverage during subsequent open enrollment periods.
While you are actively employed and you are on VLTD, your benefits (including medical, dental, vision, and life insurance) will continue as long as you continue to make the appropriate contributions toward the cost of these plans.
This summary provides only a brief description of the Disability Income Insurance coverage insured by Symetra Life Insurance Company under the GDC 4000 series Group Disability Income Insurance policy. For a complete description, including all definitions, exclusions, limitations, and reductions in coverage, as well as information on termination of benefits, please contact your benefit administrator or refer to the Group Insurance Certificate you will receive when you become insured. Coverage will be offered under Group Policy number 01-020008-01. All benefits are subject to the terms and conditions of the Group Policy. If there is a difference between the information in this summary and the information contained in the Group Insurance Certificate, the terms of the Group Insurance Certificate will prevail. The terms of coverage may change over time; always refer to your current Group Insurance Certificate for information regarding your insurance benefits.
Phone: 1-877-377-6773 | Fax: 1-877-737-3650 | Symetra Life Insurance Company, Life and Absence Management Center, P.O. Box 1230, Enfield, CT 06083-1230
Symetra
1-877-377-6773
symetra.com