Page 14 - Leona Arizona Employment Group Flipbook

Life Insurance and Disability

Long-Term Disability
Life and AD&D Insurance
Life insurance is an important part of your financial Leona’s Long-Term Disability plan provides Full-Time
wellbeing, especially if others depend on you for support. employees with a monthly income once you have been
Accidental Death & Dismemberment (AD&D) Insurance is continuously disabled for 90 days. This plan is designed to
designed to provide a benefit in the event of accidental pick up where the Short-Term Disability ends in the event
death or dismemberment. you are still unable to work.

Leona pays 100% of the cost of Basic Life and AD&D Benefit
Insurance through The Hartford for all Regular Full-Time
employees. Both benefits are equal to 2 times your base LTD Plan Corporate Non-Corporate
annual earnings (rounded to the next $1,000), up to a Provisions Employees Employees
maximum of $350,000. Coverage is automatic; you do not
Elimination
need to enroll. 90 days 90 days
Period*
Disability Insurance Maximum $6,000 $6,000
Monthly Benefit
Disability insurance provides income replacement
should you become disabled and unable to work due to a Benefit Amount 66.23% of 60% of
non-work-related illness or injury. Leona provides Regular monthly earnings monthly earnings
Full-Time employees with disability income benefits at
 If disabled and  If disabled and
no cost. Coverage is automatic; you do not need to enroll.
less than age less than age 60,

70, benefits are benefits are paid
Short-Term Disability paid up to age up to the Social
70 but not less Security “Normal
You must be a Full-time, Regular employee who has Maximum Benefit than one year. Retirement Age”.
completed one year of full-time employment to be eligible Duration  If disabled at  If disabled at
for Short-Term Disability benefits. Once eligible, you must be age 70+, 60+, benefits
continuously disabled for 7 calendar days (or 40 work hours)
benefits are are paid based
before benefits become payable.
paid up to on schedule.
Our plan administrator, The Hartford, determines if you meet one year.
the plan’s definition of disability; and Leona pays the benefit *Number of days you must be disabled before benefits are payable
to you through the payroll system. The Hartford will
determine the length of the benefit period for each disability
based upon medical documentation.
Contact the Benefits Department as soon as possible if you
believe you may qualify for Short-Term Disability benefits.

Maximum Benefit
Years of Service
Benefit Paid (% of Base Earnings)
Less than 1 Year Not Eligible Not Eligible
1 Year to Less 320 Hours
60%
than 3 Years (8 Weeks)
496 Hours
3 or More Years (12 Weeks or 60%
90 Calendar Days)*
*Whichever is less, if necessary, to coordinate with Long-Term Disability benefits

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