Can a member, whose claim has been denied, or their LTD benefits terminated, maintain their LTD coverage based upon salary derived from their sick leave credits?
Contractually, LTD coverage will only be extended 60 working days beyond the end of the waiting period for denied claims. For terminated claims, coverage will be extended 31 days beyond the date benefits are terminated. Following this time period, the LTD plan requires a member to be actively at work to be insured. In order to satisfy this requirement, the member must be fully capable and actively performing their regular duties.
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