Disability

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The long term disability (LTD) plan offered by PCOC is designed to replace a portion of your income if you are unable to work due to an accident or illness. The plan covers you with long term benefits for qualifying disabilities. The plan also provides the vital support, services and assistance you need to get back to work and to an independent lifestyle. The long term disability plan is insured by MetLife.

In addition to the Company-paid plans, California State Disability Insurance (SDI) provides partial wage replacement benefits to eligible workers who are unable to work due to a non-work-related illness, injury, or pregnancy. Refer to www.edd.ca.gov/disability/Disability_Insurance.htm for additional information regarding California SDI.

The following table summarizes the key features of the 2024 LTD plan and California SDI.

PCOC Long Term Disability Plan
Plan
Long Term Disability
CA SDI
PCOC Long Term Disability Plan
Benefit Percentage
60% of pay
Up to 70%
PCOC Long Term Disability Plan
Maximum Benefit
$6,000 per month*
$1,620 per week
PCOC Long Term Disability Plan
Benefit Begins
91st day of disability
8th day of disability

This summary is provided for general information only. Refer to the specific plan documents available on Forms and Documents for detailed information on plan provisions, exclusions and limitations.

You are automatically enrolled for LTD insurance on the first of the month coinciding with or next following 30 days of full-time employment. State disability plans are generally effective as soon as you have taxable wages.

LTD benefits begin after you have been disabled for 90 days, as determined by the insurance company. LTD benefits pay up to 60% of your base pay to a maximum of $6,000 per month.*

Generally, LTD benefits continue as long as you remain totally disabled, up to age 65 (longer if your disability begins at age 62 or later). LTD benefits will be reduced by any other benefits you may be eligible to receive such as state disability benefits, workers’ compensation or Social Security disability benefits.

* $10,000 per month for directors.

Your Cost

PCOC pays the entire cost of the LTD plan.

California requires you to contribute to a state disability fund. Your contributions and participation in that disability fund will be subject to California laws.

There are several other additional special benefit provisions available under the LTD plan as follows:

  • Social Security assistance.
  • Rehabilitation during disability.
  • Return to work incentive benefits.
  • Survivor benefits.
Contact Human Resources

LTD Group # TS 05997391-G

(626) 844-1429

Questions or need help?
Contact the PCOC Benefits Service Center

(855) 726-2291

pcocbenefits@teamcreativa.com

Disability Forms and Documents