Disability and Supplemental Care Plans
The State System
The following plans are administered through the Employee Insurance
Program (EIP) of the State of South Carolina:
Basic Long Term Disability
- There are no additional costs with health insurance plan enrollment.
- You are eligible to receive 62.5% of your monthly salary or
maximum $800.00 a month, after one year of State service.
- There is a 90-day waiting period and it is offset by other plans.
- Pre-existing conditions will not be covered for 12 months from
the date of coverage.
Supplemental Long Term Disability
- The plan provides 65% of your monthly salary or maximum $8,000.00
a month. Minimum monthly benefit is $100 per month
- Premiums are paid by the employee and are based upon age, salary
and the plan chosen (90 day or 180 day waiting period)
- Pre-existing conditions will not be covered for 12 months from
date of coverage.
South Carolina Retirement System Disability Plan
- This plan is available to SCRS
and PORS participating employees
with at least five years of earned service.
Long Term Care (LTC) Insurance
- LTC refers to a wide range of personal care and social service
for people of all ages who suffer a chronic disease or long-lasting
disability.
- You can review the plans
- Summary:
choices and coverage provided by your plan.
- Features:
features provided in your plan.
- Eligibility:
eligibility and qualifying for benefits.
- You are able to purchase coverage to protect yourself and/or
immediate family. Cost of coverage based on the age and benefit
of insured
- Eligibility for benefits is based on the inability to perform
three of six activities of daily living (bathing, continence,
dressing, eating, toileting or transferring, ).
- Pre-existing conditions will not be covered for 12 months
- For more information, visit the AETNA
LTC web site.
Supplemental Short-Term and Long-Term Care
LTC refers to a wide range of personal care and social service
for people of all ages who suffer a chronic disease or long-lasting
disability. Contact vendors for more information about terms and
conditions.
Choices among vendors product portfolio includes:
- Accident
- Cancer
- Critical Illness
- Disability Income
- Supplemental Hospital Indemnity
- Income Protector.
The following vendors have been authorized through automatic payroll
deduction. Not all products are available with each company and
options vary. Contact the vendor representative directly for more
information:
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