Page 38 - PWH.19 Employee Benefits
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SHORT TERM DISABILITY INSURANCE SUMMARY
                                   (Nonoccupational)

Minimum Hours Requirement                    Employees must be working at least 30 hours a week
Who Pays for Coverage                        You are not required to pay a part of the premium for
                                             insurance under the Group Policy.
Elimination Period                           A Benefit Payment Period will begin on the:

                                             1st day for Disability Due to Injury

Primary Benefit                              8th day for Disability Due to Sickness
Maximum Weekly Benefit                       66 2/3 % of Predisability Earnings
Minimum Weekly Benefit                       $800
Maximum Benefit Payment Period               $15
Rehabilitation Services and Benefits         26 weeks

     Rehabilitation Services                 Included
     Predisability Intervention Services     Included
     Rehabilitation Incentive Benefit        5%
     Reasonable Accommodation Benefit        $500
Other Coverage Features
     Work Incentive Benefit                  Included
NOTE:

Benefits may be reduced by other sources of income and disability earnings.

Some disabilities may not be covered or may be limited under this insurance.

This summary provides only highlights of the Group Policy. The entire Group Policy determines all rights, benefits,
exclusions and limitations of the insurance described above.

GH 852-1                                  3
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