Long Term Disability (LTD)

What is LTD Insurance?

City employees may secure added income should disability strike! As a City Employees Club member, right now – rather than after you suffer a serious accident or illness, when it’s too late – is the best time to examine your financial resources if long-term disability were to prevent you from working.

Nearly one-third of all Americans will suffer a serious disability between the ages of 35 and 65, according to the 2000 “Life Insurers Fact Book” from the American Council of Life Insurers. In the next hour alone, some 2,330 Americans will suffer a disabling injury – an average of one every two seconds.

Is your lifestyle at risk if you suddenly couldn’t work?

Disability income insurance helps ensure that a portion of your income would continue if you were to become sick or disabled and unable to work. Should you suffer a covered disability, you would receive benefits directly to spend on mortgage payments, rent, groceries or other living expenses – including medical expenses related to a disability.

The Club has endorsed a disability insurance plan for City and Department of Water and Power employees that pays benefits for a covered disability up to age 65. This plan is underwritten by a member company of American International Group, Inc., The United States Life Insurance Company in the City of New York. This company has received A.M. Best Company’s highest rating of A++ (Superior) for superior overall financial strength and operating performance.

Club members are eligible to apply for this Club-sponsored plan at group rates. Rate quotes are available quickly and with no obligation through the plan administrator, The City Employees Club of Los Angeles. For employee group costs and coverage details, including benefit amounts, terms, conditions, exclusions and limitations, call the plan administrator at 1-800-464-0542. Don’t let a disability cut or stop your paycheck. Protect Your Pay!! If you’re disabled, your paycheck could be slashed 66% - even STOPPED. Imagine living on less than half your pay. If you suffer a long-term illness or injury, that’s all you might get with the disability coverage you have now.The Club’s Long Term Disability KICKS IN when you need it the most.

Just as your sick pay or salary continuation drops to 70% of your pre-disability pay, The Club’s Long Term Disability starts helping to support you and your family as soon as your waiting period ends. Whether your disability happened on or off the job, the Club pays the difference between your other benefits and 70% of your gross salary. Even when your other sources are used up, we pat 60% of your gross salary to age 65, as long as you are disabled.

More money to keep!

Your Club LTD benefits are usually tax-free! You probably take home about 70% to 80% of your gross pay after taxes. Since you pay the premiums, the money you receive is usually tax-free – meaning your take-home pay stays very close to what it was before you were disabled. The plan covers partial disability, too. High quality, affordable premiums. The plan is backed by The United States Life Insurance Company, rated A+ “superior” for financial stability by A.M. Best Company, a leading insurance company analyst. Because the Club is a not-for-profit association, you get The United States Life Insurance Company quality at an affordable price. Take the next step now! Use the easy worksheet inside to see how the Club’s Long Term Disability would supplement your benefits. Don’t forget, DWP employees don’t qualify for State Disability Insurance (SDI).

With additional coverage from THE CLUB, you restore any income you might lose without it!

Long Term Disability insurance helps restore your income!

We’ll pay up to 70% of your total income to refill your glass. It’s EASY to apply. Call a Member Services Counselor at (800) 464-0452.

Get TOTAL Paycheck Protection With just your limited sick time or salary continuation program and no State Disability Insurance (SDI), THE CLUB Long Term Disability is more than optional – it’s vital! Don’t gamble with your paycheck.

Additional Information

Effective Date: The date you are to be insured depends on the date the participating unit receives the request. You must be actively at work on the date the insurance is to take effect, otherwise it will take effect on the date you return to work.

Exclusions: Limited benefits are paid for pre-existing conditions, special conditions and disability due to alcoholism, drug addiction and mental, nervous or emotional disorders, as outlined in the Certificate of Insurance. No benefits are paid for disabilities due to: intentionally self-inflicted injury; a war or act of war; or committing a crime or attempt to do so.

When insurance ends: Your insurance will end the earlier of the date the group policy ends, when insurance ends for your class, when the City Employees Club of Los Angeles ceases to be a participating unit, the end of the period for which the last premium has been paid for you, or the date you cease to be actively at work on a full-time basis, except for a leave of absence.

This is a brief description of coverage provided under Group Policy No. V-209,281, Form number G-19001, and is subject to the terms, limitations and exclusions of the policy. Please see your Certificate of Insurance for details.

Your satisfaction is guaranteed: If you change your mind, you can return your policy within 10 days of receipt and obtain a full refund of any premium you have paid.

How Do I Apply?

APPLY TODAY!

Call to have an application mailed to you at 1-800-464-0452 or email us at info@cityemployeesclub.com.

Please indicate what department you currently work for so our counselors can respond back to your immediately.

Who's My Counselor?

Got more questions? Not sure what to do now? Contact our Member Service Department and one of our counselors can help answer all your questions. All of our counselors are licensed and qualified to help you.

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