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<br />. <br /> <br />.- <br /> <br />- - --LONG~RMnISA-mLITY <br /> <br />Plan Information <br /> <br />LMCIT works in conjunction with Ocbs, Inc. and Fortis Benefits to provide City <br />employees with long-term disability benefits. In order to meet the needs of City <br />employees, LMCIT policies feature such benefits as an "own occupation definition" for <br />up to 36 months and, in some cases, 60 months. Other unique benefits include separation <br />of disability benefits from sick leave and a 12 month retum-to-work incentive. <br /> <br />· Benefit Levels: Each individual employee may select a monthly benefit level, subject <br />to a minimum of$500 and a maximum of$5,000 or 60% of earnings, whichever is <br />less. <br /> <br />· Benefit Pqyment Period: The City detennines when long-term disability benefits will <br />be paid to employees. The City may choose from a 3-month or a 6-month disability <br />waiting period, after which-benefits will be paid. Benefits continue until the <br />disability ends or the individual reaches normal retirement age. <br /> <br />The cost of long-term disability coverage depends on the employee's age, the benefit <br />level selected, and whether the benefits are payable after three or six months. <br /> <br />To obtain a specific quote on Long-term disability benefits, please contact Ochs, IDe. <br />directly at (651) 665-3789. <br /> <br />i <br />,- <br />