Base Salary Maximum Benefit
Age at Duration of
Disability Payments
What is the benefit?
You can protect 55% of your monthly base salary to a
maximum of $10,000.
X .55 =
Eligibility
Active full-time Commonwealth of Massachusetts
employees, or half-time employees working a minimum of
18 ¾ hours in a 37 ½ hour week or 20 hours in a 40 hour
week, are eligible.
How do I enroll?
You may enroll if you are a new hire within 31 days from
your start date without providing proof of good health.
You may apply anytime during the year with proof of
good health by completing the GIC’s Form-1. Unum will
then send you an Evidence of Insurability Application to
complete and return.
How long are benefits paid if I am disabled?
Benefits will be paid until you are no longer considered
disabled as defined in the policy, or until you reach the
maximum payable period below:
Age at
Disability
Duration of
Payments
Under age 61 to age 65
61 4 years
62
3
½ years
63 3 years
64
2
½ years
65 2 years
66 1 ¾ years
67
1
½ years
68 1 ¼ years
69+ 1 year
When does coverage end?
Your coverage ends if you do not pay your premium, you
leave employment with the Commonwealth, or are no
longer eligible due to a change of employment status.
Are there any exclusions if I file a claim?
If you have not been covered by the GIC’s LTD Plan for
more than twelve (12) consecutive months, a pre-existing
condition limitation applies.
You have a pre-existing condition if:
you received medical treatment, consultation, care
or services including diagnostic measures, or took
prescribed drugs or medicines in the 6 months just
prior to your eective date of coverage; and
the disability begins in the first 12 months after your
eective date of coverage unless you have been
treatment-free from the pre-existing condition for
6 consecutive months after your eective date.
Long Term Disability (LTD) benefits are not payable for
disabilities resulting from:
intentionally self-inflicted injuries;
active participation in a riot;
war, declared or undeclared, or any act of war;
attempt to commit or commission of a crime;
commission of a crime for which you have been
convicted;
loss of professional license, occupational license or
certification;
any period of disability during which you are
incarcerated.
Is there a benefit for mental health disability?
For disabilities due to mental illness may be payable for
up to thirty-six months or for as long as the insured is:
Confined to a hospital or other licensed facility; or
Receives psychiatric partial hospital or day treatment for
at least five hours per day and at least four days per week.
How is disability defined?
You are disabled when Unum determines that:
you are limited from performing the material and
substantial duties of your regular occupation due to
your sickness or injury; and
you have a 20% or more loss in your indexed monthly
earnings due to the same sickness or injury.
After 24 months of payments, you are disabled when
Unum determines that due to the same sickness or
injury, you are unable to perform the duties of any
gainful occupation for which you are reasonably fitted by
education, training or experience.
You must be under the regular care of a physician in
order to be considered disabled.
