Long term disability
If you become disabled while covered by this plan, you may receive a monthly payment and other LTD benefits after an elimination period and provided you meet certain eligibility criteria.
- What's covered
- Eligibility
- When do payments begin?
- Get help
The long-term disability (LTD) plan is designed to provide income replacement in the event you experience a prolonged injury or illness. The LTD plan also offers additional benefits to support you and your family. The plan is administered by Prudential.
Coverage amount
You can choose one of three coverage levels: 40%, 50%, or 60%. If you don’t elect coverage, your coverage level will default to 60% coverage.
- If you elect 40% coverage, it covers 40% of your monthly earnings, up to a maximum of $10,000 per month.
- If you elect 50% coverage, it covers 50% of your monthly earnings, up to a maximum of $12,500 per month.
- If you elect 60% coverage, it covers 60% of your monthly earnings, up to a maximum of $15,000 per month.
Regardless of which coverage level you choose, Microsoft pays the full cost of your LTD coverage. The monthly premium amount of this coverage is considered taxable income to you. You do not pay taxes on Microsoft’s contribution to your coverage while you are receiving monthly payments.
All regular employees are enrolled in long-term disability. Interns and others classified as “t-“ are not eligible to enroll in LTD. For benefit information, see "When do payments begin?"
If you become disabled while covered by this plan, you may receive a monthly payment and other LTD benefits after an elimination period and provided you meet certain eligibility criteria. Your monthly payments may be reduced by other sources of income or if you continue working while you are disabled. Prudential will send you a payment each month up to a maximum period.
LTD benefits may be available following short-term disability (STD) leave. Before your LTD benefits start, you must satisfy an elimination period, which is the longer of either 182 days from your date of disability or the exhaustion of STD benefits.
For payment and claim details, contact Prudential through these methods (group policy number for reference is 43994):
- E-mail: microsoft@prudential.com
Telephone: (800) 778-3827
To review coverage, go to Prudential.
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