Page 13 - 2023 Down East Wood Ducks - Benefits Guide.docx_Neat

DISABILITY INSURANCE

Disability insurance is a very important part of the Down East Wood Ducks benefit program. The disability
plans are designed to provide you with a source of income if you become disabled and unable to work.
Short term disability benefits are only payable when you are unable to work because of non-work-related

illness or injury. All disability leaves will run concurrent with the Family & Medical Leave Act (FMLA) or
state equivalent where applicable.

Short Term Disability (STD):
• Premiums fully paid by the Company and administered through Unum.
• Will be based on base pay only, exclusive of overtime, bonuses or supplemental pay.
• During a leave under the policy, health insurance coverage will continue.

Short Term Disability Leave Pay

Waiting Period 1 Week; use 5 days of sick or paid time off
Weeks of Pay at 100% up to 6 weeks
Weeks of Pay at 60% Up to 12 weeks

Long Term Disability (LTD):
• Premiums fully paid by the Company and administered through Unum.
st
• Has a 90-day elimination period, which means the LTD coverage will begin on the 91 day of a disability.
• If an application is approved by Unum, an Employee will receive 60% of their pre-disability monthly earnings
(minus any excludable earnings, such as social security payments) for the duration of his/her disability, as
defined by Unum, or until retirement age.

Please contact HR for additional information

The above is a summary of this benefit option.

Click here for more detailed information on this available benefit option.

2023 Down East Wood Ducks Benefit Guide Page 13