Document Actions
Disability Benefits
Disability Benefits
Central Piedmont Community College provides disability coverage for all full-time employees at no cost to the employee. Employees may elect to exhaust any accumulated sick leave, vacation leave, or any other salary continuation before using the disability benefit plans. The applicable plan is determined by the employee's length of service.
| Length of Service | Plan Provider |
|---|---|
| Less than five (5) years of service | Horace Mann |
| Five (5) or more | NC State Retirement Disability Plan |
Coverage amounts are divided into two categories: Short-term and Long-term. Short-term benefits begin after a thirty (30) day waiting period or after salary continuation cease, whichever is later, and continue for a maximum of 395 days. Long-term benefits begin after the conclusion of the short-term disability period or after salary continuation cease, whichever is later.
| Coverage or Feature | Less than 1 year of service | 1 to 5 years of service | More than 5 years of service |
|---|---|---|---|
| Covered by Horace Mann | 30 day waiting period HM Form GA-2H0426 required | First year of disability from State then second year and after Horace Mann (Form GA-2H0426) | N/A |
| Covered by State Retirement Plan | N/A | 30 days waiting period, $33 per day to 60th day Benefits paid for 1 year. Required forms: DIP-1, 2, 3, 4, 5, E-1, E-2, E-3, E-4, 7A, D-4 | 30 days waiting period, $33 per day to 60th day. Benefits to end of disability or retirement qualification Required forms: DIP-1, 2, 3, 4, 5, E-1, E-2, E-3, E-4, 7A, D-4 |
| Waiting Period | 30 days | 30 days | 30 days |
| Definition of Disability | HM: Certified by doctor. HM Form GA-2H0426 required | State: Not able to work the job hired to do. HM: Certified by doctor. |
State: Not able to work the job hired to do |
| % of Pay Received for Disability Pay During 1st Year | 50% maximum $3,000 monthly. If salary is less than $2,000/month the employee receives 60% of pay (10% paid by CPCC 50% paid by HM) | $33 per day from 31st through 60th day then 50% to a maximum of $3,000 monthly | $33 per day from 31st thru 60th day then 50% 1st year maximum $3,000 monthly, 2nd year and after 65% maximum $3,900 |
| % of Pay Received for Disability After 1st Year | None | 65%, 2nd year and thereafter maximum $3,900 benefit | 65%, 2nd year and thereafter $3,900 maximum benefit |
| Duration of Disability Pay | To age 60 as long as Horace Mann disability requirements are met. | 1 year State Plan then Horace Mann thereafter up to age 60 | When you reach the age or service requirements for an unreduced service allowance. |
| Disability Credited as Years of Service for Retirement Plan? | No | Credit must be requested for the one year on the state plan via the DIP-E4 form | Credit must be requested by completing a State form DIP-E4 |
| Plan Type | Short Term | Long Term |
|---|---|---|
| Horace Mann | Begins after 30 days and continues through the 426th. Pays 50% of monthly salary up to $3900 per month maximum benefit. | Begins on the 427th day of disability. Pays 65% of monthly salary up to $3900 per month maximum benefit. |
| NC State Retirement Disability Plan | Begins after 30 days and continues through the 426th. Pays 50% of monthly salary plus 50% of 1/12th of your annual longevity payment (if applicable) up to $3000 per month. | Begins on the 427th day of disability. During the first 36 months of the long term disability period the benefit is 65% of monthly salary plus 65% of 1/12th annual longevity payment (if applicable up to $3900 per month.After the first 36 months, the payment is figured the same minus the amount of the Social Security disability benefit. |
Additional Resources
For more detailed information visit the NC Department of State Treasurer website . Or download/view the Teachers' and State Employees' Retirement Benefits handbook which includes descriptions of the disability income plan. As always, you can also contact your Human Resources Benefits staff.
To apply for disability benefits please contact your Human Resources benefits staff. Do you have a question not answered here? Please contact your HR benefits staff.
Joanette West , Benefits Coordinator (704) 330-6759
Carolyn Pence, HR Technician II (704) 330-6311