Page 12 - 2024 Hanover Medical Management Sevices Benefit Guide - EN Revised

Long-Term Disability:

MetLife

Long-Term Disability Coverage

Hanover Medical Management Services, LLC provides employees with Long-Term Disability coverage
intended to protect your income in case you become ill or injured.

• Benefits begin after 90 days after an injury or illness
• Benefits can continue up to Age 65 or Normal Social Security Retirement Age

• Benefit Amount pays up to 60% of your income.

• Maximum Monthly Benefit paid is $5,000 or more based on your income

• Pays for Disabilities caused by accident and/or sickness

DEFINITION OF DISABILITY

Definition of Disability is as follows:
• Due to a Sickness, or as a direct result of accidental injury: The employee is receiving Appropriate Care
and Treatment and complying with the requirements of such treatment, and

• During the elimination period and the next 24 months is unable to earn more than 80% of pre-disability
earnings at their Own Occupation for any employer in their Local economy, and

• After such period, is unable to earn more than 60% of their pre-disability earnings from any employer in
their Local economy at any gainful occupation for which they are reasonably qualified taking into ac-
count their training, prior education and experience.

PRE-EXISTING CONDITION:
Pre-existing Condition means a Sickness or accidental injury for which You:

• · received medical treatment, consultation, care, or services; or

• · took prescription medication or had medications prescribed;
• in the 3 months before Your insurance under this certificate takes effect.

We will not pay benefits for a Disability that results from a Pre-existing Condition, if You have been Actively at
work for less than 12 consecutive months after the date Your Disability insurance takes effect under this certifi-
cate.

Reasonable Accommodation - 50% up to $5,000
Vocational Rehabilitation

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