Page 20 - 2022 Benegit Guide

Disability Insurance Plan Highlights

Disability insurance provides income replacement in the event you are unable to work due to a
non-work related illness or injury. Plans are separate from any state disability plans you may be eligible for.

If you enroll or make changes to your disability coverage during the Annual Enrollment period
or outside your initial enrollment (if a new hire or rehire), you may be required to provide evidence
of insurability (EOI).

Short-Term Disability Long-Term Disability (LTD) Salary Continuation
(Hourly Team Members) (Salaried Team Members)
• 100% paid by the Team Member • 100% paid by the Team • Salaried Team Members
• Benefit of 50% of coverage Member are automatically enrolled
amount for up to 26 weeks (for • Benefit of 50% or 60% of in Salary Continuation. This
hourly Team Members) coverage amount available benefit replaces the Short-
• Coverage amount is based on • Coverage amount is based on Term Disability coverage.
earnings, calculated quarterly earnings, calculated quarterly • Under Salary Continuation,
• Benefits are offset by any • Early LTD plan has 90-day disabled Team Members
state disability benefits and waiting period (salaried Team receive 100% of their regular
are tax-free Members only) pay for up to six weeks, and
• Pre-existing condition exclusion • Late LTD plan has 180-day then 50% of their regular pay
for up to an additional seven
applies to first year of coverage waiting period weeks, for a total of thirteen
weeks of coverage.

20 2022 Health and Benefits Guide