Disability Plan

Duration of Benefits

The C.S.A.L.C. plan pays tax-free benefit payments up to one or two years as long as you're under the care of a licensed physician and satisify the plan's definition of total disability.

During your disability, the plan defines total disability as the inability to perform the duties of your own occupation. Keep in mind, you don't have to be permanently disabled to qualify for benefits.

Your benefit payments are not offset by other sources of income which you are receiving, such as Workers' Compensation, CSRS, FERS and Social Security. Furthermore, if your Social Security disability benefits increase due to a Cost of Living Adjustment' your benefit payments will not be offset by that increase.

All in all, your Disability Plan assures you a monthly income during total disability -- a time when you need income the most to meet your monthly expenses.