Page 15 - Citizens Bank Benefit Guide 2020_Revised 12-11-2020

Long-Term Disability:

Mutual of Omaha

Long-Term Disability Coverage

Citizens Bank of Ada provides employees with Long-Term Disability coverage intended to protect your in-
come in case you become ill or injured.
• Benefits begin 90 days after an injury or illness
• Benefits can continue up to Age 65 and is based on Normal Social Security Retirement Age rules
• Benefit Amount pays up to 60% of your income. You may receive an additional 20% with Enhanced
Disability Benefit if you have a loss of 2 or more Activities of Daily Living (ADL’s) for a Total Available Benefit
of 80% based on your income loss and/or definition of disability
• Maximum Monthly Benefit paid is $10,000 based on your income
• Additional 20% Disability Benefit if you have a of loss 2 or more Activities of Daily Living (ADL’s)
• Pays for Total and Partial Disabilities caused by accidents and sickness

DEFINITION OF DISABILITY:

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 occupation during the
regular occupation period. After this period end, are unable to perform all of the material duties of any
gainful occupation; and
• During your regular occupation period are unable to generate current earnings which exceed 99% of
your monthly earnings from your regular occupation, and
• After this period end, if partially disabled, are unable to generate current earnings which exceed 85% of
your monthly earnings from any gainful occupation.
• 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, which will help supplement your income until you are able to return to work full-time.
Enhanced Disability Benefit:
Enhanced Disability Benefit, which is standard on our LTD plans, automatically increases the core benefit by
20 percentage points when an insured employee suffers a serious cognitive impairment or the loss of two or
more Activities of Daily Living (ADLs): bathing, dressing, using the restroom, transferring (to and from a bed,
chair or wheelchair), continence or eating.”
Pre-Existing Conditions:
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.

Please see Plan Summaries for Limitations

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