Page 19 - 2025-26 Gas Clip Technologies Benefit Guide2

Employer Paid Short-Term Disability:

Lincoln Financial

Employer Paid (STD) Short-Term Disability Coverage

Gas Clip Technologies provides our employees with Employer Paid Short-Term Disability (STD) coverage
intended to protect your income for a short duration in case you become ill or injured and unable to work.
• Benefits begin the 1st day following an accident, or 8th day for an illness or pregnancy
• Benefits can continue up to a maximum duration of 13 weeks
• This policy will cover 60% of your weekly base income up to $1,500
• Weekly Benefit will be taxed.
• Pays for Total and Partial Disabilities caused by accidents and illness
Total Disability Benefits:

Lincoln Financial Group will pay a Weekly Total Disability Benefit if an Insured Person becomes Totally Disabled
while insured for this benefit. This benefit will be paid for each week Total Disability continues:
• beginning on the day benefits begin (as shown in the Schedule of Insurance); and
• ending on the day the Insured Person ceases to be Totally Disabled.
Benefits will not be payable beyond the end of the Maximum Benefit Period, as shown in the Schedule of Insurance. Proportional benefits
will be paid for a partial week of Total Disability.
The amount of the Weekly Total Disability Benefit equals the lesser of:
• the Insured Person's Basic Weekly Earnings multiplied by the Benefit Percentage; minus Other Income Benefits except any
pay received under the Employer's Sick Leave or Salary Continuance Plan;
• 100% of the Insured Person's Basic Weekly Earnings; minus Other Income Benefits including any pay received under the
Employer's Sick Leave or Salary Continuance Plan; or The Maximum Weekly Benefit.
In no event will the amount of the Weekly Total Disability Benefit plus any pay received under the Employer's Sick Leave or Salary
Continuance Plan exceed 100% of the Insured Person's Basic Weekly Earnings
Partial Disability Benefits:
Lincoln Financial Group does not require that the employee be totally disabled prior to receiving partial
benefits. A disabled employee can satisfy the elimination period with days of total disability, partial disability or
a combination of both. An employee may qualify for a partial disability benefit if he or she is Partially Disabled
and is under the regular care of a physician.
Partial Disability Benefits end on the earliest of:
• The date of Total Disability Benefits become payable;
• The date the Insured Person dies;
• The date the Maximum Benefit Period ends; or
• The date the Insured Person's current earnings exceed 99% of Basic Weekly Earnings.
The amount of the Weekly Partial Disability Benefit equals the lesser of A or B below:
A - The Insured Person's Basic Weekly Earnings multiplied by the Benefit Percentage (limited to
the Maximum Weekly Benefit); minus Other Income Benefits except for earnings received.
B - The Insured Person's Basic Weekly Earnings, minus Other Income Benefits.
Partial Disability means that, due to sickness or injury, the Insured Person is:
• unable to perform one or more of the material duties of his or her regular occupation; or,
• unable to perform such duties on a full-time basis
PRE-EXISTING CONDITION: (Existing coverage reduces Pre-Existing periods)
If you have a medical condition that begins before your coverage takes effect, and you receive treatment for this condition within the
3 months leading up to your coverage start date, you may not be eligible for benefits for that condition until you have been covered
by the plan for 12 months.
OTHER BENEFITS:
• Waiver of Premium:
You will not be required to pay premium during any time of approved total or partial disability.
• Portability, you can take it with you— Survivor / Family Income Benefit - 3 Weeks
19 • Pregnancy—Normal Delivery—6 Weeks
• Pregnancy C-Section Benefit - 8 Weeks