The BCPS Long Term Disability Protection plan helps to provide financial security for you in the event of income loss due to an illness or accidental injury. For many individuals, relying on the District paid Basic Disability Income Plan, which pays 60% of your salary for a two year period, may not be enough to ensure your essential living expenses will be covered.

The Enhanced Long Term Disability Plan replaces 66.67% of your regular salary with a maximum monthly benefit of $3,000 per month. Benefit payments begin after you have been disabled for 90 days. Benefits will continue to age 65 as long as you are under the care of a licensed physician and remain totally disabled. Payments will continue for as long as you remain totally disabled up to a maximum of five years, if disability occurs at age 60 or older.

Please view the Basic & Enhanced Disability Comparison chart below.

The MetLife group policy does contain certain exclusions, limitations, exceptions, reductions and terms. Consult the Certificate of Coverage for details.

Basic & Enhanced Disability Comparison

During the first two years of disability, the plan defines total disability as the inability to perform the essential duties of your occupation. Thereafter, total disability is defined as the inability to perform the duties of any occupation for which you are, or can become qualified for by training, education, or experience. Keep in mind, you do not have to be permanently disabled to qualify for benefits.

The Enhanced Disability Plan is available to any employee who qualifies for the Basic Disability Plan and is subject to all other benefits and provisions as described for the Basic Disability Plan.

Under the Enhanced Disability Plan, your monthly benefits will be reduced by the amount of other income benefits you receive. Workers Compensation, Social Security, other disability insurance and sick pay are considered income. The amount you receive from the SBBC as a disability benefit will not fall below a minimum of $100 per month. No medical evidence is required.

Enhanced Coverage is Guaranteed
Under this plan, you will be accepted without evidence of good health. Pre-existing condition limitations may apply within the first year of coverage. This coverage is available only during initial enrollment and during subsequent Open Enrollment periods.

Cost of Your Enhanced Level Protection
The cost for this coverage will depend on your annual salary. The cost is considerably lower than an individual plan with similar benefits. Examples of costs are highlighted below. Premiums will be deducted from your paycheck. The rate is based on $ 0.231 per $100 of your monthly covered salary.

Example 1 (table below) shows that for an employee who earns $25,000 per year, the benefit under the Basic Disability Plan is $1,250 ($2,083 X .60) per month. This benefit is provided at NO COST to the employee. Example 1 also shows that if this same employee elects to enhance the disability coverage, the benefit increases to $1,389 per month. The monthly cost for the enhanced benefit is $4.66 per month.

Since the Disability Plan has benefit maximums, Examples 2 and 3 illustrate this calculation. Example 2 assumes an employee is earning $54,000 per year. Though the same calculation is performed ($4,500 X .60 = $2,700) the basic benefit is limited by the plan maximum of $1,500 per month. Accordingly, the Enhanced Disability Plan calculation will also be limited by the maximum benefit of $3,000. The Enhanced Disability premium is only paid up to the benefit plan maximum.

Comparing examples 2 and 3, you can see the monthly premium and maximum monthly plan benefits are the same though the salary levels are different.

Premium Examples