|
Long-Term Disability (LTD)
Protect your expatriates with optional LTD coverage in addition to the Multinational Employer
Trust (MET) Medical, Life and Accidental Death and Dismemberment
benefits.
Who is Eligible?
- U.S. and non-U.S. expatriate employees
- No more than 50% of group can be age 50 years
or older
- No more than 30% of the group can be in high
risk occupations
All
accounts carry the standard 12/6/24 pre-existing exclusion: Any
condition diagnosed or treated in the 12 months prior to the
program's effective date will not be covered unless the insured
goes without treatment for six consecutive months after that date.
In such a case, the remainder of the pre-existing condition period,
defined as 24 months, will be waived.
Program Options
| Benefit Percentage |
60% of Base
Monthly Earnings |
| Maximum Monthly Benefit |
$5,000 |
Elimination Period
Option One
Option Two |
90 Days
180 Days |
| Duration |
Reducing Benefit Duration (RBD) |
| Benefit Offset |
Primary and Family U.S. Social Security Disability
Benefits |
| Own Occupation Definition |
24 Months |
| Partial Disability Benefits |
Included |
| Mental Illness Limitation |
24 months (unless hospital confined) |
| Recurrent Disability Provision |
6 months |
| Survivor Benefit |
3 months |
| Waiver of premium |
Included |
| Maternity Coverage |
Included |
| Minimum Monthly Benefit |
$50 |
| Pre-Existing Condition Provision |
12/6/24 |
|
