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Long Term Salaried

Q. 
Who is eligible to participate in the Plan?
A. 
All regular, full-time active salaried associates who have completed their 90 day benefits probationary period are eligible to participate in the salaried long term disability plan.  This Plan is insured and administered by Prudential Insurance Company. No enrollment process is required to be covered under this Plan. Once you complete your benefits probationary period, you are covered automatically.
Q. 
How much are the premiums?
A. 
This coverage is provided by the Company to salaried associates at no cost.
Q. 
What does this benefit pay?
A. 
If you must be out of work for a non-work related injury or illness for longer than 90 days (the salary continuance period) and Prudential approves your long term disability claim, if you are salary grade S02 through S08 this benefit provides approximately 60% of your income up to a maximum benefit of $5000 per month.  For associates with a salary grade of S00, S09 and higher, this benefit provides approximately 60% of your income up to a maximum benefit payable of $7,500 per month.
Q. 
Do any deductions come out of my disability pay?
A. 
Yes.  Since the premiums are paid by the Company on your behalf, LTD payments are considered taxable income.  The FICA portion of your taxes will be deducted at the time you receive your LTD benefit check.  You will be responsible for all other applicable income taxes when you file your annual tax return.  Prudential will send applicable tax forms to you following the year you receive the LTD benefits.   If you are enrolled in any Shaw benefits that require you to pay your premiums through payroll deductions (such as medical, dental, etc.), because the LTD payments are issued by Prudential the Shaw benefit deductions will not be taken. You will receive a monthly Benefits Billing statement with instructions on how to submit your premiums to Shaw.  You are responsible for paying these benefit premiums each month while out on long term disability leave of absence.
Q. 
Do I need to do anything to make sure I get LTD benefits if I'm out?
A. 
If you are on a long term disability leave of absence and believe that you will need to be out for longer than 13 weeks, please notify your Human Resources office by the 8th week of your medical leave.  This will allow enough time for HR to assist you with completing your LTD claim application with Prudential and allow for LTD benefit payments to begin promptly (if approved) when your short term salary continuance payments cease.
Q. 
How does Prudential define disability?
A. 
You are disabled when Prudential determines that you are:  1) unable to perform the material and substantial duties of your regular occupation due to your sickness or injury; 2) you are under the regular care of a doctor; and (3) you have a 20% or more loss in your monthly earnings due to that sickness or injury.  See the LTD SPD (summary plan description) for more information in the resources section.
Q. 
How long will LTD benefits continue?
A. 
LTD benefits will continue until you are released to return to work.  You may continue to receive LTD benefits until age 65.  If you are older than age 65 when you become disabled, your Human Resources office can provide you with details about the maximum length of time that applies to you.
Q. 
What is a pre-existing condition?
A. 
The Plan does not cover a disability due to a pre-existing condition. You have a pre-existing condition if:  1) You received medical treatment, consultation, care of services including diagnostic measures or took prescribed drugs or medicines in the 3 months prior to your effective date of coverage; or 2) you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the 3 months prior to your effective date of coverage. This applies only if a LTD claim is filed within the first 12 months of becoming eligible for the Plan. See the salaried LTD SPD for more explanation regarding the definition of a pre-existing condition.
Q. 
What are deductible sources of income?
A. 
Prudential will deduct from your gross disability payment amounts you receive from the following sources of income: 1) Workers’ compensation; 2) Social Security disability benefits; 3) State compulsory benefit; or 4) Any other similar plan. See the salaried LTD SPD which applies to your salary grade for more information.
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