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Eligibility
You are eligible to purchase additional LTD coverage under fully portable Individual Disability Insurance if you meet one of the three following conditions:
  • If your Total Annual Cash Compensation (TACC) is $480,000 or more and you elect the 50% option under Group LTD coverage; or
  • If your Total Annual Cash Compensation (TACC) is $400,000 or more and you elect the 60% option; or
  • If you elect no coverage under Group LTD coverage.
If you are disabled under the terms of the coverage, IDI benefits would provide:
  • Replacement of 50% of TACC from $480,000 to $840,000, to a maximum monthly benefit of $15,000 – as long as you elected coverage under Group LTD coverage; or
  • Replacement of 60% of TACC from $400,000 to $700,000, to a maximum monthly benefit of $15,000.