Office: +1 (301) 985-2020
Email: info@employee-plans.com
What Is Long-Term Disability Insurance?
Long-term disability insurance helps protect your paycheck if an illness, injury, surgery, or serious health complication keeps you from working for an extended period of time.
Your bills do not stop when your paycheck does.
The benefit is paid directly to you and can help pay for your mortgage or rent, groceries, utilities, car payments, childcare, and other everyday expenses.
If a serious illness or injury keeps you from working, long-term disability insurance could provide approximately your take-home pay in tax-free benefits, helping replace the income you normally depend on.
When Sick Leave Is Not Enough
Imagine a teacher who slips on ice and breaks her hip.
She expects to be out for eight weeks, but complications turn eight weeks into six months.
Her sick leave runs out.
Her paycheck stops. Her bills do not.
Eventually, she has to borrow money from her parents just to pay her bills.
After the plan’s 90-day waiting period, long-term disability insurance can begin helping replace the income she has lost.
Your union helps provide benefits such as the Sick Leave Bank Exchange for shorter periods of disability. Long-term disability helps provide protection when an illness or injury becomes more serious and keeps you out of work longer.
Your Enrollment Opportunity
Coverage is affordable and conveniently deducted from your paycheck.
New hires have an important opportunity to enroll without answering health questions.
If you have an existing health condition, such as diabetes, lupus, or a mental health condition, your first year of teaching is especially important. Employees with certain health conditions may only be accepted for the coverage-to-age-67 option, subject to plan terms and eligibility requirements.
HOW TO ACCESS AND COMPLETE YOUR ENROLLMENT FORMS
1. Review the Insurance Information
At the bottom of the website, review the following documents before completing your enrollment forms:
• Long-Term Disability and Life Insurance Information
• The Hartford Income Protection Information
These documents explain the available coverage options, benefits, and pricing. Life insurance coverage for eligible family members may also be available.
2. Complete the Enrollment Forms
After reviewing the insurance information, complete the following forms:
• Express Enrollment Form: This is a one-page form that requires your handwritten signature.
• Education Association of Charles County Benefits Enrollment Form: You only need to sign the last page. Our team can complete the remaining sections for you, or you may complete them yourself if you prefer.
Select the coverage options that best meet your needs and provide all requested personal information.
3. Sign and Submit Your Forms
You may complete the forms on your computer or print and fill them out by hand. However, handwritten signatures are required on the following two pages:
• The Express Enrollment Form
• The last page of the EACC Benefits Enrollment Form
After signing, submit your completed forms using one of the following methods:
Mail to EACC
Education Association of Charles County
105 Centennial Street, Suite H
La Plata, MD 20646
Mail to Employee Plans Services
Employee Plans Services, Inc.
7100 Baltimore Avenue, Suite 502
College Park, MD 20740
Email or Fax
Main Contact: Suzanne Herrmann
Email: smh@employee-plans.com
Fax: (301) 985-5114
Call for questions about the Hartford policies.
Office: (301) 985-2020
Mobile: (703) 795-0406
Please keep a copy of your completed and signed forms for your records.