THE STATE OF NORTH CAROLINA

PROVIDES A DISABILITY INCOME PLAN FOR ITS PERMANENT, FULL-TIME TEACHERS AND STATE EMPLOYEES - AT NO COST TO THE INDIVIDUAL.

The State Plan is designed to provide for the continuation of a portion of your salary should you suffer the misfortune of an accident or sickness which disables you for longer than 60 days. HERE'S HOW IT WORKS…

  1. WHEN YOU ARE DISABLED:
    First 12 Months of Disability Thereafter
    Percentage of Your Total Monthly Salary the State Pays You* 50% 65%
    Maximum Total Benefit $3,000 $3,900
    Reduced By Workers' Compensation Workers' Compensation, Social Security
    Not Reduced By Social Security -----------

    * 1/12 of your total pay during the 12 months prior to your disability

  2. Benefits under the State Plan are payable for life, for "Disability," which means that you are mentally or physically incapable of performing the duties of your usual occupation.
  3. You become a member of the plan when you become a full-time, permanent employee of the State, and you are eligible to receive benefits from the Plan if you become disabled after you have completed one year's service. Your coverage under the Plan ends when your employment with the State terminates.
  4. Benefits of the Plan are payable beginning 60 DAYS AFTER THE DATE OF YOUR DISABILITY (60-day waiting period).
  5. The Plan coordinates with other benefits related to your employment, so that after the amounts you are eligible to receive from Social Security (for the first six months only), Workers' Compensation, or State retirement plans, etc., the State pays you enough, in addition, to total a) 50% the first twelve months and b) 65% thereafter of your total salary, as explained in the chart above. HOWEVER, ANY BENEFIT FROM A PLAN FOR WHICH YOU PAY THE ENTIRE COST YOURSELF DOES NOT AFFECT THE STATE PLAN IN ANY WAY.

Copyright © 2007 Pierce Group Benefits, LLC. All Right Reserved.
This website highlights the voluntary benefits offered through your employer for the current plan year. This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in this booklet including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in this booklet. Please meet with your Colonial Representative during the Open Enrollment Period to verify the information contained within this booklet as well as your own policy information.