Successive Disability Sample Clauses

Successive Disability. When an employee returns to work after a disability, any additional days lost 30 due to the same or related causes will be compensated without another waiting period, unless a three- 31 month period has elapsed since the employee’s return to work. 32 33 -Termination of Insurance – Termination of the LTD plan will not affect any claim established prior to 34 the date of termination. This means that an employee who is in the process of satisfying the waiting 35 period will continue to be covered. 36 37 -Offsets – LTD benefits will be reduced by benefits the member is eligible to receive from any 38 employer’s annuity or pension plan, remuneration plan or other income protection plan; and, any 39 disability benefits payable under Social Security or Worker’s Compensation – except for Indiana State 40 Teachers Retirement Fund Disability Benefits. 41 42 -Maximum Benefit Period – Accident and sickness benefits are payable during continuous disability to 43 age 65 for disabilities that commence prior to age 60. However, if an employee becomes disabled at 44 age 60 or thereafter, benefits are payable for ages 60-68 for five (5) years or to age (70), whichever 45 comes first; for ages 69-74 for one (1) year or to age 75, whichever comes first; and for age 75 and 46 over for six (6) months. 47 48 -Cost of Living Allowance (COLA) – The benefit payable will be adjusted (while the insured will be 49 eligible for a Cost of Living Adjustment (COLA) –if he/she has received benefits consecutively for the 50 past 12 months) on April 1 of any year. Additional COLAs will be made each April 1 if the insured 1 continues to be disabled and has received benefits consecutively for the past 12 months. The ISTA 2 COLA does not cap your COLA benefit. 3