Page 13 - Enrollment Guide Example

Disability

Short Term Disability (STD)

[Client Name] provides, at no cost to you, short term disability. Our
company paid policy provides you with a percentage of your weekly
income while you are out of work following a non-work related accident
or illness.

STD Beneits At-a-Glance
[Carrier]
Beneit amount 60% of your salary up to a maximum of $1,500 per week
Cost [Client Name] pays
Waiting period 0 days for accident
7 days for illness
Duration Up to 26 weeks

Long Term Disability (LTD)

Long term disability (LTD) protects your family by providing you with a
percentage of your income while you are disabled for a longer period than
short term disability would otherwise cover.

LTD Beneits At-a-Glance
[Carrier]
Beneit amount 60% of your pre-disability earnings up to $10,000 maximum per
month
Cost Employee pays, rates vary
Waiting period 180 days
Duration Up to age 65 or Social Security Normal Retirement Age if
you continue to be deemed disabled according to the plan
requirements

Please contact Human Resources for additional details
regarding the LTD benefit and rates.

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