Are my Group Life and Long-Term Disability coverages continued when I am called to active duty?
Generally, no. The ORP group life and long-term disability insurance policies only cover employees who are Active Participants in the ORP: those who are making current contributions to the Plan. However, there may be cases when a participant is called to active military duty and, while on military leave, maintains their “active” status in the Plan. In a case like this, where the Commonwealth continues paying the related insurance premiums for an ORP participant away on active military duty, coverage under both policies may continue. The Group Life insurance policy does not carry a “War Exclusion.” So, coverage would continue in full, even while a participant is in a “war zone.” The Long Term Disability policy does have a “War Exclusion.” However, the Standard Insurance Company (the current underwriter) has explained that they would review individual case circumstances before denying benefits to a participant who became disabled in a “war zone.
Generally, no. The ORP group life and long-term disability insurance policies only cover employees who are Active Participants in the ORP: those who are making current contributions to the Plan. However, there may be cases when a participant is called to active military duty and, while on military leave, maintains their “active” status in the Plan. In a case like this, where the Commonwealth continues paying the related insurance premiums for an ORP participant away on active military duty, coverage under both policies may continue.
