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Other Long-Term Disability Facts

Credited Service While on LTD

You will not earn credited service at Metro while receiving LTD benefits.

Continuation of Health Benefits Under COBRA While on LTD

While receiving LTD benefits, you will be eligible to continue medical, dental and vision coverage through COBRA if you elected these health benefits as an active Metro employee. However, you may have to pay the full cost of these benefits, plus a 2% administrative fee. For more information, see your departmental Human Resources Coordinator or call Metro Human Resources.

Case Management

Case managers and vocational specialists are professionals who help guide disabled employees through the recovery process so that they can return to work as soon as they are ready. Depending on the nature and length of your disability, you may be assigned a case manager or vocational specialist by the insurance carrier while receiving LTD benefits.

Case managers do not prescribe or perform medical treatment. Instead, they serve as a critical link between employees and their families, medical care providers, insurance carriers, and Metro. Working closely with all of these groups, the case manager will: help coordinate your care; monitor your treatment; and facilitate your return to work, if applicable, with Metro or another employer.

Discontinuing Coverage

You may drop LTD coverage at any time, but if you do, you will not be able to enroll again until the next Annual Enrollment unless you have an eligible change in status. For a list of eligible changes in status and instructions for changing your benefit elections, see your departmental Human Resources Coordinator or call Metro Human Resources.

If you drop out of LTD coverage and later want to re-enroll, you must provide proof of good health — also called evidence of insurability (EOI) — to be eligible for LTD coverage. For more information about EOI, contact the carrier.