Page 74 - Employee Handbook January 1, 2025

Regular full-time employees are provided short-term disability insurance in the event of a non
work-related sickness or injury resulting in total disability. Sickness shall include pregnancy,
childbirth and miscarriage. Coverage begins on the first day of the month following the date the
employee became a regular full-time employee. The plan provides for a benefit of 66-2/3% of
base wages or salary up to a maximum benefit of $1,000 per week. If the employee is paid
hourly, the benefits are based on an eight-hour workday. Benefits begin on the first day of the
accident and the 8 day of the disability due to sickness or pregnancy and continue up to a
th
maximum of 180 days. Unless periods of total disability are separated by your return to active
work for at least two consecutive weeks, successive periods of total disability resulting from the
same related sickness or injury will be considered one period of disability. While on short-term
disability, if a person becomes disabled again due to an unrelated sickness or injury, it will be
considered one period of disability. A completed Employer short-term disability claim form is
required before benefits can be paid. Claim forms must be requested from the Human Resource
Manager at Employer. A written release from the treating physician will be required before the
employee can return to work. PTO hours can be used for the first seven consecutive days of total
disability due to sickness not paid by the short-term disability plan. Short-term disability
insurance benefits will not be paid for any days the employee qualifies for workers'
compensation benefits. Short-term disability benefits will cease to be paid on the earliest of the
date you are no longer totally disabled, the end of the maximum benefit period, the date on
which you return to work for the policyholder in any capacity, the date on which you begin to
receive benefits under any retirement plan sponsored by the policyholder, the date you die.
Short-term disability insurance coverage ends on the end of the employment month.

LONG TERM DISABILITY INSURANCE
Long Term Disability is provided by the Employer at no cost to you. Benefits are payable upon
written documentation of total and permanent disability after the 180 day waiting period. They
will be payable until age 65 at 66.6667% of current wages up to a maximum monthly amount of
$6,000.00.

SOCIAL SECURITY/MEDICARE
For the duration of your employment, both you and your Employer contribute funds to the
Federal government to support the Social Security program. This program is intended to
provide you with monthly checks and medical coverage once you reach retirement age.

SECTION 125 PLAN
Your Employer offers a pre-tax contribution option for employees. This employee benefit is
known as a Section 125 plan.

A Section 125 plan is a benefit plan that allows you to make contributions toward certain
qualified benefits on a pre-tax rather than an after-tax basis. This means your qualified expenses
are deducted from your gross pay before income taxes and Social Security are calculated.

Page 74 Revision January 1, 2025