You ARE required to use all of your accrued leave before your disability payments begin. This includes all Sick Leave, Annual Leave, and Compensatory Leave. Any accrued leave that extends beyond the STD or LTD benefit start date will be an offset to the STD or LTD benefit. You will not be paid from two different sources for your disability. Your disability benefit payment from MetLife will begin after your pay from any accrued leave ends.
Every employee’s situation is different. Consider how much accrued sick and annual leave you have when deciding whether to purchase Short Term and/or Long Term Disability Insurance.
Example: You chose Option A for your STD policy. Your STD Elimination Period is 14 calendar days, maximum duration is 26 weeks, benefit is 60% of pre-disability salary. You have 153 hours of accrued annual and sick leave, you are scheduled to work 7-1/2 hours per day M-F (37-1/2 hours per week). You are approved for disability starting Tuesday, April 3, 2018 and you continue to meet the definition of disability for 26 weeks.
Your date last worked is April 2, 2018 and your date of disability is April 3, 2018. The 14 calendar day Elimination Period begins on April 3, 2018. You will receive your accrued paid leave while satisfying your Elimination Period. The STD benefit start date is April 17, 2018 and the 26 week benefit duration begins. However, you continue to receive your accrued paid leave for another 2 weeks and 3 hours. The accrued paid leave is an offset to the STD benefits, so STD benefits will not be payable until all accrued paid leave is exhausted. After receiving three hours of accrued paid leave May 1, 2018, all accrued paid leave will be exhausted. Therefore, a partial benefit will be issued for May 1, 2018, then you will begin receiving your STD benefit payments equal to 60% of your pre-disability salary, paid weekly, for the remaining benefit duration until October 15, 2018. (April 17, 2018-October 15, 2018 is 26 weeks)
The State of TN does not offer Long Term Disability Insurance to Higher Education employees. If you are a Higher Education employee, direct questions on LTD to your Agency Benefits Coordinator.
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