Long Term Disability
The Long Term Disability (LTD) Plan provides you with protection against complete loss of income during a long period of absence because of a disabling illness or injury.
If you become totally disabled for a continuous period of 180 days as a result of an accident or illness and are approved for the benefit by the insurance company, commencing with the 181st day of disability, the LTD insurance program provides a maximum benefit of 60% of your Base Salary plus a contribution to the BSA Retirement Plan. The duration of LTD benefits depends on several factors including, but not limited to, your age at disablement. LTD benefits are offset by other sources of income such as workers’ compensation, government retirement system benefits, Social Security Disability Income benefits, etc
Eligible employees are automatically enrolled for LTD Plan on their date of hire. Coverage will be effective upon completion of one year of Continuous Service. You must be in active employment status for coverage to become effective. However, if you are a full-time active employee who is in Salary Grades M5 through M8 and not a member of a collective bargaining unit, your coverage will be effective on your date of hire.
Who's Eligible for the LTD Plan?
Eligible Active Employees
All regular employees of Brookhaven Science Associates, LLC (the “Employer”), including Expatriate Employees and Third-Country Nationals, who work at least 20 hours per week are eligible to participate in the LTD Plan upon completion of one year of active service. An employee is a “regular employee” if he/she is classified and treated for federal income tax purposes by the Employer as a regular full-time or regular part-time employee of the Employer (as opposed to a temporary, seasonal or casual employee, intern, independent contractor or consultant, agency worker or leased employee) even if the Employer’s classification is later determined to be incorrect.
- Employees who are resident undocumented aliens;
- Employees whose terms of employment are covered by a collective bargaining agreement to which the Employer is a party, unless the collective bargaining agreement provides otherwise;
- Employees living or working in a country subject to the sanctions program administered by the U.S. Treasury Department’s Office of Foreign Asset Control; or
- Employees living or working in a country not meeting the insurer’s published underwriting criteria.