PDT offers all levels of coverage to meet a variety of employer needs. The chart below and the Benefits at a Glance documents provide details on the various plans available and how they differ. Please review the Benefits at a Glance for each plan and the Group Long Term Disability Brochure for more details.
Monthly Benefits |
Max Benefits |
Benefit Waiting Period |
Max Benefit Period |
|---|---|---|---|
| Plan A - Benefits at a Glance | |||
| Under 10 Lives 60 percent of the first $5,000 of monthly predisability earnings Over 10 Lives 60 percent of the first $10,000 of monthly predisability earnings |
Under 10 Lives $3,000 Over 10 Lives $6,000 |
90 days | Disabled before age 62, benefits may continue until the SSNRA. Disabled at age 62 or older, the benefit duration is determined by the age when disability begins. |
| Plan B - Benefits at a Glance | |||
| Under 10 Lives 60 percent of the first $5,000 of monthly predisability earnings Over 10 Lives 60 percent of the first $10,000 of monthly predisability earnings |
Under 10 Lives $3,000 Over 10 Lives $6,000 |
180 days | Disabled before age 62, benefits may continue until the SSNRA. Disabled at age 62 or older, the benefit duration is determined by the age when disability begins. |
| Plan C - Benefits at a Glance | |||
| 50 percent of the first $6,000 of monthly predisability earnings | $3,000 | 90 days | 5 years |
| Plan D - Benefits at a Glance | |||
| 50 percent of the first $6,000 of monthly predisability earnings | $3,000 | 180 days | 5 years |
| Plan E - Benefits at a Glance | |||
| 50 percent of the first $6,000 of monthly predisability earnings | $3,000 | 90 days | 2 years |
| Plan F - Benefits at a Glance | |||
| 50 percent of the first $6,000 of monthly predisability earnings | $3,000 | 180 days | 2 years |
| Plan G - Benefits at a Glance | |||
| 60 percent of the first $10,000 of monthly predisability earnings | $6,000 | 30 days | 2 years |
| Plan H - Benefits at a Glance | |||
| 60 percent of the first $10,000 of monthly predisability earnings | $6,000 | 60 days | 2 years |
The Managed Plans provide a more economical option for disability coverage, as they are a blend of Short Term and Long Term Disability provisions. Please review the Benefits at a Glance for each plan and the Group Managed Disability Brochure. In addition, to learn about two other options with shorter duration periods and lower maximum monthly benefits, please review the Group LTD and Managed Plan Brochure.
Monthly Benefits |
Max Benefits |
Benefit Waiting Period |
Max Benefit Period |
|---|---|---|---|
| Managed Plan A - Benefits at a Glance | |||
| 60 percent of the first $16,667 of monthly predisability earnings | $10,000 | 90 days | Disabled before age 62, benefits may continue until the SSNRA. Disabled at age 62 or older, the benefit duration is determined by the age when disability begins. |
| Managed Plan B - Benefits at a Glance | |||
| 50 percent of the first $6,000 of monthly predisability earnings | $10,000 | 90 days | 5 years |
| Managed Plan C - Benefits at a Glance | |||
| 50 percent of the first $6,000 of monthly predisability earnings | $10,000 | 90 days | 2 years |
To learn more about the Printers' Disability Trust plans and the coverages available through The Standard, please review the Long Term Disability Certificate of Insurance and then contact Pat Harris at PDT office at 800.342.5799 or email pdtins@aol.com