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Similar to your Life/AD&D, Disability coverage is an important part of your comprehensive benefits
package. This coverage provides income protection for you and your family in the event of you are ill
or injured and unable to earn a living. The Disability coverage is insured by The Standard.
VOLUNTARY LONG TERM DISABILITY*
Pacific Coast Title Company offers Long Term Disability insurance on a voluntary basis. Coverage
begins on the 181st day of disability for approved claims. The Long Term Disability benefit replaces
60% of your monthly earnings up to $15,000 per month
(Guarantee Issue amount is up to
$7,500 per month)
. The benefit can last until your Social Security Normal Retirement Age (SSNRA)
should you continue to meet the definition of disability. Voluntary Long-Term Disability rates are
age-banded and provided below.
DISABILITY INSURANCE
* You are guaranteed coverage in the Supplemental Life plans if you enroll during your initial eligibility period. If you enroll in an
amount greater than the Guaranteed Issue amount or choose to enroll at a later date, you may be subject to Evidence of Insurability
which requires insurance carrier review and approval before your coverage could become effective.
Amount of Benefit
When Benefits Begin
Age
Cost Per $100 of Covered Payroll
<30
$0.103
30-34
$0.162
35-39
$0.245
40-44
$0.338
45-49
$0.502
50-54
$0.692
55-59
$0.884
60-64
$0.929
65-69
$1.164
70+
$1.070
Voluntary Long Term Disability (LTD)*
60% of pre-disability earnings to a maximum of $15,000 per month.
Guaranteed Issue up to $7,500 per month*
181st day of disability
Employee
Contribution per month based on employee's age at last
January 1st