FIT offers full-time employees a long term disability (LTD) plan through First Unum Life Insurance Company. (No cost to employee for basic plan; employee buy-up options available though payroll deduction.)
Effective date of coverage is the first of the month coinciding with or next following your full-time starting date. Coverage is for employee only. For an eligible disability, the basic plan covers 60% of salary after a 180 day elimination period.
Employees may purchase from a choice of three buy-up options to increase benefits (funded through employee payroll deductions). The buy-up options must be elected within 30 days of your effective date in the plan or during the annual open enrollment period.
Pre-existing conditions are subject to a 12 month waiting period.