• EligibilityMore Information

    The Time Loss Benefit is only available to Eligible Employees. Retired Participants and Dependents are not eligible for the Time Loss Benefit.
     
  • Basic Benefit DescriptionMore Information

    Time Loss Benefits provide coverage to help protect an Eligible Employee against loss of income if the Employee is Totally Disabled because of an Illness or Injury. Time Loss Benefits are payable up to $100 per week for each week of Total Disability; up to a maximum of 26 weeks. For partial weeks, the benefit amount for each day is determined by dividing the weekly benefit by seven.
     
  • DefinitionMore Information

    "Total Disability" or "Totally Disabled" means that, as a result of an injury or illness, a participant is absent from work, unable to engage in usual duties at work, and is performing no other work of any kind for wage or profit.
     
  • Benefits BeginMore Information

    Time Loss Benefits begin:

    • with the first day of a Total Disability resulting from an Injury; or
    • with the eighth day of Total Disability resulting from an Illness.
     
  • Benefits EndMore Information

    Benefits end after the maximum period of 26 weeks has been paid or as soon as the participant is no longer Totally Disabled as defined.
     
  • Repeat Periods of DisabilityMore Information

    A new period of disability will begin if:

    • an Eligible Employee returns to full-time work for at least 30 calendar days, then becomes Totally Disabled again from the same cause; or
    • an Eligible Employee returns to full-time work for at least one day, then becomes Totally Disabled again from a different cause.
     
  • Taxability of BenefitsMore Information

    This benefit is subject to both Social Security tax (FICA) and to income tax.