Page 72 - NEW Employee Handbook June 15, 2025

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.

By joining the Section 125 plan, you elect to have your gross pay reduced by qualified
benefit premium amounts. Section 125 laws must be followed. See plan for details.

COBRA

You and your covered dependents will have the opportunity to continue medical,
dental and/or vision benefits for a period of up to 36 months under the provisions of the

Page | 72 Revision June 15, 2025