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Symetra Disability Insurance

Short-Term Disability (STD) Insurance Voluntary Long-Term Disability (LTD) Insurance
Drug Plastics recognizes that disabilities can have a The LTD plan provides disability income protection in
major impact on your life and finances. To ensure some of the event of an extended illness or injury preventing you
your income will continue if you are unable to work due from performing the material duties of your regular job.
to a disability that extends for more than 14 consecutive You may elect an LTD benefit of 50% or 60% of your base
calendar days, Drug Plastics provides Short-Term Disability salary, up to a maximum benefit of $6,000 per month.
(STD) benefits at no cost to you. Coverage is automatic; LTD benefits begin after a 180-day elimination period.
you do not need to enroll.
LTD benefits will supplement other sources of disability
The STD benefit is 66 2/3% of your base salary. STD benefits income, such as Social Security, to replace a portion of
begin on the 15th calendar day of a continuous disability your pay.
for which you are unable to work due to a properly
substantiated illness or injury, which is certified by a
physician. Disability benefits are paid up to a maximum
period of 26 weeks.
Family Medical Leave Act (FMLA)
You must notify your Human Resources Representative
and provide, at your expense, satisfactory evidence from If you have been with the company for 12 months,
your doctor that you are disabled. Your Human Resources you may be eligible for up to 12 work weeks
Representative will then process the necessary forms to of unpaid leave per year under the Family and
request your STD benefit payments. The determination Medical Leave Act (FMLA). FMLA can be used for
of disability is made by the Plan Administrator or an illness of your own, care needed for a family
insurance company. member, care for a newborn and certain other
medical needs.

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