May 1998 Trust Talk
Disibility GAP Coming Soon
This benefit will be available at no cost to Union-represented State employees
with at least one year of continuous State service beginning July 1, 1998. Union Benefits Trust Trustees worked to create
this benefit to replace certain disability benefits that would otherwise have been taken away as of July 1, 1998, due to changes in the current
collective bargaining agreement.
The Prudential Insurance Company of America will insure and administer this plan, subject to state
filing and approval.
See your Trust Benefits Highlights '98 for more information, and the booklet-certificate
(coming after July 1) for full details.
Here's an overview of the benefit:
| Who's eligible |
Employees with at least one year of continuous State service who have exhausted
their disability benefits under the State plan, by reaching the lifetime maximum. |
|
| Period of time before disability benefits begin |
14 days when filing under disability gap insurance because you've reached your lifetime maximum before this disability occurrence began
0 days if you waited 14 days before receiving benefits under the State plan for this occurrence of disability
|
|
Maximum benefit duration
Under 8 yrs. service |
24 months per occurrence
No lifetime maximum |
|
Maximum benefit duration
8 but less than 16 years of service |
24 months per occurrence
No lifetime maximum |
|
Maximum benefit duration
16 or more years of service |
24 months per occurrence
No lifetime maximum |
|
| Replacement
income limit |
First six months — 70%
Next 18 months — 50% |
| 
