Page 10 - Affinity Neurocare Benefit Guide - FINAL

Employer Paid: Mutual of Omaha

Long-Term Disability (LTD)

Employer PAID Long Term Disability Coverage

Affinity Neurocare provides employees with 100% Employer Paid Long Term Disability (LTD)
coverage intended to protect your income in case you become ill or injured and unable to
work for an extended period of time.

• Benefits begin 90 days after an injury or illness
• Benefits can continue up to age 65 or longer based on Normal Social Security Retirement Age SSNRA
• Benefit amount pays up to 60% of your before-tax monthly income to policy maximum based on class
• Pays for Total and Partial Disabilities caused by accidents and sickness

Own Occupation:
Duration based on class. Minimum is 24 months

Definition of Monthly Earnings:
Earnings Just Prior to Disability, Annual Salary

Definition of Total Disability:
Disability and disabled mean that because of an injury or illness, a significant change in your mental or
functional abilities has occurred, for which you are prevented from performing at least one of the material
duties of your regular job and are unable to generate current earnings. You can be totally or partially
disabled during the elimination period.

Partially Disabled:
If you become disabled and can work part-time (but not full-time), you may be eligible for partial disability
benefits.

Other Benefits
• Vocational Rehabilitation
• Survivor Benefit
• Waiver of Premium

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