Top Reasons to Enroll in the Longshoremen Disability Income Insurance Policy
1) To Be Eligible for ILA Disability Retirement Benefits You Must Meet Certain Criteria
You are entitled to apply for a disability benefit from the Plan if all of the following requirements are met:
• You are totally and permanently disabled.
• Your disability occurs after you have reached age 40 and have completed 15 full or one-half years of Benefit Service.
• You are not a “vested terminated participant*”.
• The Trustees receive satisfactory proof of your disability.
*A Participant who incurs one or more breaks in service as a result of illness which began before the Participant attained age 40 and while the Participant was employed in the industry shall not be a vested terminated participant by reason of the breaks in service.
2) Coverage for Partial Disabilities is Limited
In addition to other eligibility conditions for ILA and SSDI total disability retirement benefits, you must be unable to perform the critical or essential elements of your position. This means that if you are able to perform some, but not all, of the critical or essential elements of your position, you may be ineligible for benefits. Although each claim must be evaluated individually, in many instances, a claimant under the Longshoremen Disability Income Program will be able to obtain disability income benefits even if he or she is still able to perform some of the critical or essential elements of his or herposition.
3) Income Replacement Benefits are NOT Taxable
The disability income benefits provided by the Longshoremen Disability Income Insurance plan are not taxable to a member, which means a greater amount of income replacement for members when they need it most.
4) Weekly Health and Welfare disability benefit does not meet your needs.
The HRSA-ILA Short Term Disability Benefits are provided to protect your income in the event that you are unable to work due to a non-occupational accident or sickness. The amount of the weekly benefit is based upon work hours and credits earned during the prior Contract Year.
Effective July 1, 2010 the following schedule is in effect for claims made on or after that date:
Years of Service Hours Required
700-999 1000-1399 1400-1999 2000+
15+ $175 $300 $500 $650
1-14 $150 $250 $350 $450
Maximum Benefit Period:
52 weeks: Non-work related illness or injury
26 weeks: Work-related illness or injury, subject to repayment
Base Policy
Pregnancy - is covered as any other sickness or illness. Must own policy for 10 months before benefits can be paid.
Waiver of Premium- An insured member does not pay premiums after 90 consecutive days of total disability or the satisfaction of the elimination period, whichever is later.
Partial Disability Benefit- A partial disability will be paid if an insured becomes partially disabled due to the same cause as total disability The benefit is 50% of the initial benefit.
Accelerated Benefit for Terminal Illness- If a member is diagnosed with a terminal illness for the first time, on or after the effective date, we will accelerate the monthly disability benefit for the remaining months of payments of the maximum disability period of the contract, up to 12 months.
Rider Form Series CRDITI00.
Mental Illness Limited Benefit- Totally Disabled due to a Mental Illness, regardless of the cause, Disability Benefits will be paid for the period. Mental Illness means Disability due to or resulting from psychiatric or psychological conditions, regardless of cause. The term Mental Illness does not apply to dementia, if due to Stroke, Trauma, Viral infection, Alzheimer’s disease, or other conditions not usually treated by a mental health provider using psychotherapy, psychotropic drugs, or other similar modalities.
