Long-Term Disability (LTD)

Important:  Pursuant to the terms of the settlement agreements with the Retiree Committee and LTD Committee (the “Settlement Agreements”) and the bankruptcy court’s orders approving the Settlement Agreements, the U.S. Debtors have terminated the Retiree Welfare Plans and the LTD Plans, as defined under the Settlement Agreements, in their entirety and have discontinued the provision of benefits thereunder as of June 30, 2013.  The information on this site is available solely for purposes of filing claims for the payment or reimbursement of benefits incurred under the Retiree Welfare Plans and the LTD Plans prior to June 30, 2013 in accordance with and subject to the terms of the relevant benefit plans and the Settlement Agreements.  For more information on the Settlement Agreements, please visit the site for “Former Employees.”

Effective 1/1/2011, employees actively at work in 2013 who begin a STD in 2013 and are unable to return to work after exhausting 180 days of STD may be eligible for an insured LTD plan benefit administered by MetLife. Nortel provides this LTD Plan coverage at no cost to you. If eligible, you’ll receive coverage equal to 50% of your pre-disability Benefits Earnings up to a maximum monthly benefit of $5,000. Please note there is no optional buy-up option under this policy.

If you did not return to work after 26 weeks of disability that commenced in 2010 or before, you may be eligible for the self-insured Nortel LTD plan benefits. This means your disability benefit would be funded by Nortel. That is, the benefits are paid from the general assets of Nortel. The self insured LTD Plan is administered by The Prudential Insurance Company of America. Those on LTD prior to 1/1/2011 who continue to be eligible for disability benefits will remain on the Nortel self-insured plan until this self insured plan is terminated or they recover from their disability or reach retirement age (whichever occurs first)

Any LTD benefit you receive will be taxable. For complete LTD plan details and qualification requirements, refer to the LTD Plan Summary Plan Description (SPD) or the MetLife Long Term Disability Certificate of Insurance, as applicable, which can be found on Explore Plans and Services or by calling HR Shared Services toll-free at 1-800-676-4636.