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Voluntary Disability

The disability benefits consist of a Short-term Disability (STD) Plan and Long-term Disability (LTD) Plan. The plans work together to replace a portion of your income when you are on an approved absence from work for your own serious health condition.

Plan	Benefit Amount and Timeline
Short-term Disability (STD) Provides income replacement for individuals who are temporarily unable to work due to non-work-related illness, injury or medical condition	Elimination Period: 7 days 20% of your weekly pre-disability pay Weekly Maximum: $3,000 Maximum Duration: 25 weeks
Long-term Disability (LTD) Replaces part of your income for longer term issues such as debilitating illness (cancer, heart disease, etc.), serious injuries or mental disorders	Elimination Period: 180 days 60% of your monthly pre-disability pay Weekly Maximum: $10,000 Maximum Duration: Up to Social Security Normal Retirement Age

NOTE: If you become disabled during the first 12 months of coverage due to a pre-existing condition, the disability plans may not pay benefits. Your effective date of coverage is the first day of the month following date of hire or coinciding with the 1 st of the month. For more detailed information, please see the summary plan descriptions available from human resources.

Voluntary Disability

Plan

Benefit Amount and Timeline

Questions?