Page 17 - 2019 Benefit Guide Non-CA
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DISABILITY PLANS




          An unexpected injury or illness that keeps you out of work for a long time can have a devastating impact on
          your income, jeopardizing your ability to cover normal household expenses. Nearly 50% of all foreclosures are
          the result of a disability. The right disability insurance, can protect your income, relieving you of the anxiety of
          depleting your savings to pay your bills.

          Short-Term Disability
          Short Term Disability (STD) coverage is designed to replace a portion of your earnings if you are unable to work
          due to a non-work related short-term illness or injury.
          AAG will provide all eligible employees who have satisfied a 6 month waiting period a company-paid STD plan.
          The weekly benefit is 60% of your base earnings to a maximum of $1,000. The benefit begin after the 14th day
          and will continue for up to 24 weeks.
          Long-Term Disability

          AAG will provide all eligible employees, who have completed 12 months of continuous employment, Core Long
          Term Disability coverage through Cigna. Employees will also have the opportunity to buy up on the coverage
          paid for by AAG.
          Should you experience a serious illness or injury that prevents you from working for an extended period of time,
          Long Term Disability (LTD) insurance provides financial protection. Please refer to plan documents for details,
          including important coverage exclusions and limitations.
                                          EMPLOYEE PAID                      EMPLOYEE PAID
                                     CORE LONG-TERM DISABILITY          BUY UP LONG-TERM DISABILITY
           Benefits Begin           After 12 months of employment      After 12 months of employment
           Benefit %                          50%                                60%
           Elimination Period               180 days                           180 days
           (Waiting Period)
           Maximum Monthly                   $2,500                            $10,000
           Benefit
                               Disabilities that occur during the first 12 months  Disabilities that occur during the first 12 months
                                of coverage due to a pre-existing condition   of coverage due to a pre-existing condition
           Pre-existing Conditions
                                during the 3 months prior to coverage are   during the 3 months prior to coverage are
                                            excluded                           excluded


































          *Not all employment categories are eligible for disability insurance.
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