RPB Long Term Disability Plan Open Enrollment 2018

  • Open enrollment for annual LTD coverage for the 2018 calendar year begins in December. Eligible employees can either enroll for the first time or reinstate coverage that lapsed. Click here for the form.
  • LTD premium payments can only be paid to RPB through your employer. RPB cannot accept payments from individuals.
  • For employees already enrolled in the LTD plan, RPB will send a renewal notice to your employer, who will pay the premium on your behalf.
  • Partial refunds of premiums paid for employees subsequently terminated during the year will only be issued to the employer if requested within 60 days of the termination date.
  • Annual LTD Enrollment Form for 2018

LTD Plan Highlights

The RPB’s Long Term Disability (LTD) Plan through MetLife provides important income replacement insurance for employees who are unable to work due to a disabling injury or illness. All employees of URJ-affiliated congregations, as well as employees of the URJ, CCAR and RPB, who work at least 18 hours a week are eligible for the plan. Benefits include:

  • 60% replacement of the employee’s regular earnings. If an employee also qualifies for disability income from other sources such as social security disability, the disability benefit will be reduced accordingly. The maximum income replacement from all sources is 66 2/3 percent.
  • Either a 180- or 90-day benefit waiting period – the time between the onset of a disability and commencement of benefits.
  • Affordable annual group rates*:
    • 180-day benefit waiting period: $4.80 per thousand dollars of salary (including parsonage, if applicable)
    • 90-day benefit waiting period: $5.44 per thousand dollars of salary (including parsonage, if applicable)
      *Semi-annual rates are half the annual rate
  • Tax-free disability benefits when the premium is paid with post-tax dollars through the employer. Read the FAQs for more information on taxation of LTD benefits.
  • Benefits are paid until an employee’s normal social security retirement age or the employee no longer qualifies for benefits, whichever occurs first. Benefits that begin after the age of 62 may extend past the normal social security retirement age.
  • Rehabilitation benefits encourage qualified candidates to return to work without losing all of their income replacement benefits.
  • A “Conversion Privilege” to an individual policy.

Getting Started

The LTD coverage period is from January – December (annual) and July – December (semi-annual) of each year. There are two open enrollment periods:

  • Annual Open Enrollment: December 1, 2017 – January 15, 2018
  • Semi-Annual Open Enrollment

During open enrollment, employers submit enrollment forms to the RPB for employees initiating LTD coverage. Premiums are also paid through the employer during these periods. The RPB cannot accept payments from individuals.

 

Benefit Details

Click on the appropriate professional organization link below for an explanation of LTD plan benefits: