Nonwork-Related Disability, Injury, or Illness. Long-term disability insurance benefits are payable after 60 consecutive calendar days of total disability (the benefit waiting period) up to a maximum of 70 percent of the employee's current base salary (predisability earnings reduced by deductible income). The maximum LTD benefit amounts (effective June 1, 2010) follow: Current Base Salary/ Predisability Earnings Cap Maximum Benefit Amount $15,000 per Month $10,500 per Month Prior to the start of the LTD insurance benefit, the City contributes to the eligible employee in the amount of 66 2/3 percent of the employee's base salary for the 41st through the 60th calendar days of the deductible period—that period defined as the first 60 consecutive calendar days that an employee is off work due to a nonoccupational-related disability, injury, or illness. During the first 40 consecutive days of total disability, the employee shall use available sick leave (or other leave time if sick leave is not available) to maintain his/her income and eligibility for City- provided benefits. During the 41st through the 60th calendar days of the deductible period, and during the period an employee is eligible to receive LTD insurance benefits, the employee shall use available sick leave (or other leave time if sick leave is not available) to supplement the LTD benefit at full salary. Long-term disability insurance premiums are paid by the City; therefore, moneys received under this program are reportable as income and are taxable. Notwithstanding any other statement or provision in this Agreement, the LTD benefits—including coverage features, the maximum benefit period, disabilities excluded from coverage, disabilities subject to limited pay periods, and other benefit conditions and exclusions—are defined in the City's LTD insurance policy and may dictate changes, variances, limitations, restrictions, subtractions of salary and benefits, and other requirements that may not be consistent with the provisions contained herein. In each and every instance, terms contained in the LTD policy shall supersede the provisions contained herein.
