Page 17 - 2023 SpeciatlyCare Benefit Guide

2023 Benefits Guide

Voluntary Short-Term Disability Insurance Coverage

The goal of the disability plan is to provide you Coverage ◼ Benefit
with income replacement should you become
disabled and unable to work due to a non- Voluntary Short-Term ◼ Covers 60% of your base annual
work-related illness or injury. SpecialtyCare Disability earnings to a maximum of
$3,750 weekly
provides the option to purchase Short Term ◼ Benefit begins 15 days after
Disability coverage through NY Life. accident or sickness and
You must elect coverage when you are first continues for a maximum of 26
weeks
eligible for coverage, or you will be required to ◼ 3/12 pre-existing condition
go through the Evidence of Insurability (EOI) limitation
application process and answer questions
about your health*. *For the enrollment period of 11/21-12/9 2022, associates may enroll in Voluntary Short-Term Disability
coverage up to the guaranteed issue amount without the EOI application requirement for 2023.

Voluntary Long-Term Disability Insurance Coverage Benefit
Coverage
Voluntary Long-Term ◼ Covers 60% of your base
SpecialtyCare provides the option to purchase Disability annual earnings to a maximum
Long Term Disability coverage through NY Life. of $15,000 monthly
◼ Benefit begins after six months
You must elect coverage when you are first of disability
eligible for coverage, or you will be required to ◼ 3/12 pre-existing condition
go through the Evidence of Insurability (EOI) limitation
application process and answer questions
about your health. *For the enrollment period of 11/21-12/9 2022, associates may enroll in Voluntary Long-Term Disability
coverage up to the guaranteed issue amount without the EOI application requirement for 2023.

SpecialtyCare is not sponsoring or endorsing any of the following voluntary benefits.

Voluntary Critical Illness-Cigna
You can't predict the future, but you can plan for it. Group Voluntary Critical Illness Insurance can help give you
the power to take control of your health when faced with a covered illness. This insurance pays benefits for non-
medical, critical illness-related expenses that health insurance might not cover. The cash benefit is a lump sum
payment payable to the employee after a covered diagnosis.

PLAN DESCRIPTION BENEFITS Plan 1 Plan 2
Covered Conditions ◼ Heart Attack (100%) Up to $10,000 $Up to 20,000
◼ Stroke (100%)
◼ Coronary Artery Bypass Surgery (25%)
◼ Major Organ Failure (100%)
◼ End-Stage Renal Failure (100%)
◼ Invasive Cancer (100%)
◼ Coma (100%)
◼ Paralysis (100%)
◼ Advanced Alzheimer's or Parkinson's Disease (25%)

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