MUST provides Basic Long Term Disability (LTD) coverage to eligible employees of participating member groups (unless waived by the group prior to 2006) at no additional cost to the member group or the employee. Member groups may enhance this LTD coverage for employees by electing the Employer Paid LTD buy-up.
MUST provides $10,000 of Basic Group Life Insurance. Active employees enrolled in MUST medical coverage are automatically enrolled in the Basic Life Plan (unless waived by the group prior to 2006). Additional Life Insurance, both employer-paid and employee-paid, is available. Life Insurance coverage is not available for retirees or school-board trustees.
Additional Life Options
Employer-Paid Life. This is an additional Life and Accidental Death & Dismemberment (AD&D) policy paid for by the employer. Employers may elect any amount in increments of $10,000 to a maximum of $150,000.
Employee-Paid Voluntary Life Buy-Up. If elected at the group level, an employee can purchase additional Life and AD&D. They can elect any amount in increments of $10,000 to the lesser of $500,000 or four times base annual earnings. Employees can elect up to $50,000 without submitting evidence of insurability.
Voluntary Dependent Life. This is an additional Life policy paid for by the employee who purchases the Voluntary Life Buy-Up. Dependent coverage of $5,000 may be purchased on the spouse and each eligible child.
Long-term Disability (LTD)
MUST also provides Basic Long Term Disability (LTD) Insurance. Active employees enrolled in MUST medical coverage are automatically enrolled in the Basic LTD Plan (unless waived by the group prior to 2006). It is important to note that LTD coverage is not available for retirees or school-board trustees.
|Basic LTD Plan (paid for by MUST)|
|LTD benefit:||50% pre-disability earnings|
|Max monthly benefit:||$5,000|
|Benefit waiting period:||180 days|
Member groups (school districts) may enhance this LTD coverage for their active employees by electing an LTD buy-up. The premium for this buy-up is paid by the employer.
|LTD benefit:||60% pre-disability earnings|
|Max monthly benefit:||$6,000|
|Benefit waiting period:||90 days|
Active employees covered under the MUST Medical and LTD coverage have access to a travel assistance benefit. It provides emergency assistance to members and their dependents traveling more than 100 miles from home, and includes such benefits as foreign language assistance, evacuation services, and repatriation services if needed.
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