Pregnancy and/or Parental Leave & LTD Benefits
While you are on a pregnancy and/or parental leave you have the option of maintaining or discontinuing your LTD coverage. Although the decision is yours, you must convey that decision to your employer. The Board may have recently sent you a form asking if you wish to maintain or discontinue LTD coverage.
You are strongly advised to continue your LTD coverage while on leave.
You are strongly advised to continue your LTD coverage while on leave.
Maintaining Your LTD Coverage
If you choose to maintain your coverage, you will be required to continue paying your premiums during your leave.
If you choose to maintain your coverage, you will be required to continue paying your premiums during your leave.
- You will be eligible to apply for LTD benefits in the unfortunate event that you become disabled while on leave.
- There will be no break in your coverage, and you will not be subject to a “preexisting condition” clause upon your return to work.
Discontinuing Your LTD Coverage
If you choose to discontinue your LTD coverage, you will cease paying premiums during your leave.
- If you become disabled during your leave, you will not be eligible for LTD benefits.
- Your coverage will be reinstated upon your return to work.
- You will be subject to a “pre-existing condition” clause if you become disabled within 12 months of your reinstatement.
What is a pre-existing condition?
This is a disability arising from illness or injury for which you obtained medical care during the 90-day period before you become re-insured.
You are strongly advised to continue your LTD coverage while on leave.
For more information about your LTD coverage, contact the unit office.
