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Long Term Disability Benefits

Insurance Carrier

Principal Life Insurance Company
(Effective 6/1/06)

Monthly Income Benefit

60% of monthly base salary

Maximum Monthly Benefit


Elimination Period

90 Calendar Days

Benefit Periods

Social Security Normal Retirement Age (SSNRA) before age 62 (varies for 62 or older). Includes maternity. Two year limitation on benefits for mental health disorders and substance abuse, unless hospital confined at the end of the 24 month period.

Benefit Offsets

Primary Social Security benefits; disability or retirement (under 70). Workers' Compensation.

Annual Cost of Living Adjustment


Minimum Benefits for Total Disability

Greater of 10% of benefit or $100

Total Disability


Class I

Own occupation to SSNRA

Class II

Own occupation for 24 months. Unable to perform material and substantial duties of own occupation or unable to earn more than 80% of pre-disability earnings.

Pre-Existing Conditions

Preexisting condition if care sought or treatment provided within 6 months before effective date. Benefits are payable after participant has gone treatment free for 12 months or been insured on the plan for 24 months, whichever occurs first.

Monthly Annuity Premium Benefit

8% of indexed earnings credited to TIAA-CREF annuities, if eligible, and participating in the Deferred Contribution Plan.

Partial / Rehabilitative Disability Benefit

Return to work on part-time basis, when earning more than 20% of indexed pre-disability earnings. First 12 months, no offset unless earnings combined with benefits exceed 100% indexed pre-disability earnings. Thereafter, proportionate replacement based on formula that includes "return to work" compensation. Proportionate loss formula also applies to annuity benefit.

Survivor Benefit

Equal to 3 months of the gross monthly benefit.


Not Available


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