Supplemental Retirement Plans
Short-Term and Long-Term Disability

A comprehensive short-term and long-term disability income plan is provided at the employer's expense for employees who are members of the North Carolina Teachers' and State Employees' Retirement System and meet certain service requirements. The short-term disability plan is available to you if you have accumulated one (1) year of contributory retirement service earned within thirty-six (36) months preceding your disability. Eligibility for benefits begins after you have been medically disabled for sixty (60) consecutive days. The monthly benefit equals fifty percent (50%) of one-twelfth (1/12) of your annual salary.

While out on short-term disability, you are eligible for medical benefits provided you have at least five years of service. If you do not meet this service requirement, you may continue coverage by paying the full premium.

After exhausting short-term disability benefits, if you have at least five (5) years of contributory retirement service earned within ninety-six (96) months preceding the close of your short-term disability benefits you may apply for long-term disability benefits. Long-term disability benefits provide a monthly income equal to sixty-five percent (65%) of one-twelfth (1/12) of your annual salary not to exceed $3,900 per month. Long-term disability benefits continue until the end of the disability or the earliest date you become eligible for unreduced retirement benefits. Benefits from both plans are subject to coordination with other programs. Full-time public school employees injured in the course of employment through an episode of violence are entitled to full salary during disability for up to one (1) year.

What is Long-Term Care (LTC)?

Long-Term Care includes a wide range of medical and support services for people who may not be sick but are frail and need custodial care. Custodial care involves providing an individual assistance with activities of daily living (ADLs) or supervision of someone who is cognitively impaired.

Think of the activities that you performed when you woke up this morning.

Did you:

  • Climb out of bed
  • Walk to the bathroom
  • Use the toilet
  • Use the bath or shower
  • Get dressed
  • Eat breakfast

While you are healthy it is easy to take for granted the above Activities of Daily Living (ADLs). However, when you or a loved one is stricken with a degenerative condition such as stroke or Alzheimer's disease, performing these ADLs becomes impossible without the assistance of another person.

Your group long-term care insurance plan passed by the NC Legislature in 1997 for NC Teachers and State Employees and their family members will help pay the bill for assistance with ADLs.

Find complete details and enroll in the NC State Long-Term Care Benefits Plan any time online at www.prudential.com/gltc (group name: stateplan, password: stateplanltc)

You may also call the plan directly for an explanation of benefits, for answers to questions and/or to get a quote of the premium cost at 1-800-284-9648.