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Voluntary Short Term
Disability*
The company offers voluntary short term disability insurance to help provide
inancial security until you get back on your feet and return to work. You may
purchase voluntary STD at a competitive group rate. The plan covers 60% of
weekly salary up to $2,000 per week for up to 13 weeks. Short term disability begins
on the irst day of an accident and the 8th day of an illness.
Pre-existing condition limitations apply. A pre-existing condition includes any
condition/symptom for which you consulted with a physician, received treatment,
or took prescribed drugs in the 3 months prior to your effective date under plan. If
you become disabled within the irst 12 months of coverage due to a pre-existing
condition, no beneits will be provided by the plan.
In the event you become disabled and receive an STD beneit from MetLife, your
beneit will be tax free since you paid for coverage with after tax dollars. Review
your enrollment materials on ADP/WFN for more details.
Voluntary Long Term
Disability*
The company offers voluntary long term disability insurance. Disabilities lasting
more than 90 days are considered “long term.” In the event you are unable to work
due to any accident or illness this program will pay you a monthly beneit of 60%
of your pre-disability monthly earnings to a maximum of $10,000 per month.
Upon approval, beneits would begin on the 91st day and would continue until you
are no longer disabled or until you reach the Social Security normal retirement age.
The plan has pre-existing condition limitation exclusion. A pre-existing condition
includes any condition/symptom for which you consulted with a physician,
received treatment, or took prescribed drugs in the 3 months prior to your effective
date under plan. If you become disabled within the irst 12 months of coverage
due to a pre-existing condition, no beneits would be provided by the plan.
In the event you become disabled and receive an LTD beneit from MetLife, your
beneit will be tax free since you paid for coverage with after tax dollars. Review
your enrollment materials in ADP/WFN for more plan details.
* If you do not elect coverage when initially eligible, you will be required to provide
proof of insurability to be insured later . You must be actively at work on January 1
for coverage to be effective .
24 2019 Benefits Guide
Disability*
The company offers voluntary short term disability insurance to help provide
inancial security until you get back on your feet and return to work. You may
purchase voluntary STD at a competitive group rate. The plan covers 60% of
weekly salary up to $2,000 per week for up to 13 weeks. Short term disability begins
on the irst day of an accident and the 8th day of an illness.
Pre-existing condition limitations apply. A pre-existing condition includes any
condition/symptom for which you consulted with a physician, received treatment,
or took prescribed drugs in the 3 months prior to your effective date under plan. If
you become disabled within the irst 12 months of coverage due to a pre-existing
condition, no beneits will be provided by the plan.
In the event you become disabled and receive an STD beneit from MetLife, your
beneit will be tax free since you paid for coverage with after tax dollars. Review
your enrollment materials on ADP/WFN for more details.
Voluntary Long Term
Disability*
The company offers voluntary long term disability insurance. Disabilities lasting
more than 90 days are considered “long term.” In the event you are unable to work
due to any accident or illness this program will pay you a monthly beneit of 60%
of your pre-disability monthly earnings to a maximum of $10,000 per month.
Upon approval, beneits would begin on the 91st day and would continue until you
are no longer disabled or until you reach the Social Security normal retirement age.
The plan has pre-existing condition limitation exclusion. A pre-existing condition
includes any condition/symptom for which you consulted with a physician,
received treatment, or took prescribed drugs in the 3 months prior to your effective
date under plan. If you become disabled within the irst 12 months of coverage
due to a pre-existing condition, no beneits would be provided by the plan.
In the event you become disabled and receive an LTD beneit from MetLife, your
beneit will be tax free since you paid for coverage with after tax dollars. Review
your enrollment materials in ADP/WFN for more plan details.
* If you do not elect coverage when initially eligible, you will be required to provide
proof of insurability to be insured later . You must be actively at work on January 1
for coverage to be effective .
24 2019 Benefits Guide
