Page 16 - Summit LTC Management LLC_Benefit Guide_GROUP 2 2019-2020_Revised 10-1-2020
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Voluntary Short-Term Disability:
Lincoln Financial
Voluntary (STD) Short-Term Disability Coverage
Summit LTC Management, LLC provides our employees with VOLUNTARY short-term disability
coverage intended to protect your income for a short duration in case you become ill or
injured at low cost group rates.
• Benefits begin the 8th day following an accident, illness and even 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
• Pays for Total and Partial Disabilities caused by accidents and illness
DEFINITION OF DISABILITY
Total Disability:
• Due to an injury or illness, you are unable to perform each of the main duties of your regular occupation.
Partially Disabled:
• Due to an injury or illness, you are unable to perform one or more of the main duties of your regular
occupation on a full-time basis. Partial Disability benefits may be payable if you are earning at least 20%
of the income you earned prior to becoming disabled, but not more than 99%. Partial disability benefits
allow you to work and earn income from your employer as well as continue to receive benefits, which
may enable you to receive 100% of your income during your time of disability.
PRE-EXISTING CONDITION: If you have a medical condition that begins before your coverage takes effect,
and you receive treatment for this condition within the 12 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:
Rehabilitation Assistance Benefit: Employees who participate in an approved rehabilitation program
are eligible to receive an additional percent of benefit. Additionally, approved program costs may
be reimbursed.
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
• Pregnancy—Normal Delivery—6 Weeks
• Pregnancy C-Section Benefit - 8 Weeks
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